Home Loan Repayment Calculator

Model your repayments, extra payments, offset savings and rate changes — tailored to your loan.

Loan amount $600,000

Interest rate (p.a.) 6.09%

Loan term 30 years

Repayment frequency

Extra per repayment $0

One-off lump sum payments

Offset balance $0

Interest is calculated on your loan balance less this offset amount, held constant across the loan for estimation purposes.

Interest-only 0 months

Model a fixed-rate expiry or an expected RBA move.

Your repayment

$0 / month

Loan paid off—

Total interest—

Total repayments

—

Interest saved

vs. no extra repayments

Time saved

0 mo

vs. no extra repayments

Loan balance over time

Base schedule With extras / offset

Repayment schedule

This calculator provides an estimate only, based on the figures you enter and a standard reducing-balance, daily-interest-accrual model. It does not constitute financial advice, and actual repayments set by your lender may differ due to fees, rounding conventions, exact settlement dates and product terms. Speak with Strategic Advisory for a tailored assessment of your borrowing options.

Home loan repayment calculator

Day-by-day simulation with offset, extra repayments and rate changes.

Loan

Amount

Start date

Years

Months

Interest rate

Rate (% p.a.)

Calculation method

Repayments

Amount override ($, optional)

Frequency

First repayment date

Weekly/fortnightly method

Years

Months

Starting balance ($)

Monthly deposit ($)

End loan when fully offset Draw repayments from offset

Property value ($)

Annual value change (%)

Extra transactions

Extra repayment, redraw (withdrawal), or fee — one-off or recurring.

Rate changes

Repayments stay unchanged unless below minimum (standard AU behaviour).

Results

Repayment

per month

Total loan repayments

Total interest charged

Date paid off

—

Schedule