Home loan calculator

Model a new loan, forecast an existing loan, or compare products in one flow. Results are calculated in your browser using dated repayments, daily interest, fees, lump sums, offset balances, and downloadable amortisation schedules.

Important assumptions General information only, not financial advice. Interest accrues daily and is charged on the selected monthly day. Offset balances reduce the modelled daily interest-bearing balance. Comparison rates are modelled from your entered cashflows.

New loan forecast

Loan details Loan Start Date Loan Term (Years) Original Loan Amount ($)

Rates and fees Interest Rate (%) Interest Applied Day Annual Fee ($) Monthly Fee ($) Application / Establishment Fee ($) Valuation Fee ($) Discharge / Settlement Fee ($) Early Repayment Fee ($)

Repayment plan Frequency Repayment Amount ($) Target Payoff Date Extra Repayments ($) Forecast Max Extra ($)

Offset account Starting Offset Balance ($) Monthly Offset Contribution ($) Monthly Offset Withdrawal ($) Limit offset benefit to loan balance

Dated events

Existing loan forecast

Loan position Current Balance ($) Loan End Date Years Remaining Months Remaining

Rates and fees Interest Rate (%) Interest Applied Day Annual Fee ($) Monthly Fee ($) Application / Establishment Fee ($) Valuation Fee ($) Discharge / Settlement Fee ($) Early Repayment Fee ($)

Repayment plan Frequency Repayment Amount ($) Target Payoff Date Extra Repayments ($) Forecast Max Extra ($)

Offset account Starting Offset Balance ($) Monthly Offset Contribution ($) Monthly Offset Withdrawal ($) Limit offset benefit to loan balance

Dated events

Product comparison

Compare two products using the same balance and remaining term. The engine calculates the minimum repayment for each product and compares modelled cash paid, including fees.

Loan position Current Balance ($) Loan End Date Remaining Years Remaining Months Repayment Frequency

Current product Interest Rate (%) Interest Applied Day Annual Fee ($) Monthly Fee ($) Application / Establishment Fee ($) Valuation Fee ($) Discharge / Settlement Fee ($) Early Repayment Fee ($) Starting Offset Balance ($) Monthly Offset Contribution ($) Monthly Offset Withdrawal ($) Limit offset benefit to loan balance

Current dated events

Alternative product Interest Rate (%) Interest Applied Day Annual Fee ($) Monthly Fee ($) Application / Establishment Fee ($) Valuation Fee ($) Discharge / Settlement Fee ($) Early Repayment Fee ($) Starting Offset Balance ($) Monthly Offset Contribution ($) Monthly Offset Withdrawal ($) Limit offset benefit to loan balance

Alternative dated events

Super vs home loan

Compare a gross salary sacrifice amount with applying the same take-home cost to the home loan as an extra repayment.

Loan position Current Balance ($) Loan End Date Remaining Years Remaining Months Interest Rate (%) Interest Applied Day Repayment Frequency Current Total Repayment ($) Annual Fee ($) Monthly Fee ($)

Income and super Annual Income ($) Current Super Balance ($) Salary Sacrifice Amount ($ / year) Forecast Super Return (% p.a.) Super Admin Fee ($ / year)

Tax and cap settings Employer SG Rate (%) Concessional Cap ($) Other Concessional Contributions ($ / year) Contribution Tax Rate (%) Super Earnings Tax Rate (%) Include Medicare levy Medicare Levy Rate (%) Include Division 293 estimate Division 293 Threshold ($)

Offset account Starting Offset Balance ($) Monthly Offset Contribution ($) Monthly Offset Withdrawal ($) Limit offset benefit to loan balance