I want to calculate
Repayments, interest, offset, and payoff timing.
Calculator
Loan Repayment Calculator
Estimate repayments, total interest, and how extra repayments can change the loan path.
These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice.
Estimated repayment
$2,334
Estimated total interest
$440,345
Estimated total paid
$840,345
Estimated payoff
30 years
What this means
- Add an offset balance or extra repayment to model interest and time savings against the base schedule.
- The balance chart shows the scheduled path if rates and repayment settings stay unchanged.
Balance over time
Annual principal and interest
Sources checked 4 Jul 2026. Results update as you edit the inputs.
Assumptions and sources›
These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice.
- ASIC MoneySmart mortgage calculator
Checked 4 Jul 2026
Repayment calculations use standard amortisation and assume rates remain unchanged for the scenario.
Review the estimate
Use the calculator output as a starting point for a document review.
RAY Accounting Group can help organize the records behind income, expenses, loans, and property decisions.