Personal Loans & Calculator

Personal loans, car loans and home loan repayments in Australia — see what a loan really costs before you apply. Loan calculator, repayment schedule and total interest in one app. Thinking about a personal loan, car finance, a renovation, debt consolidation or refinancing? Enter the amount, the rate and the term and get the monthly repayment, the total interest and the full repayment amount straight away. LOAN OFFERS Browse borrowing options available in Australia. Each one shows the key figures, and if something suits you can go through to the provider's site for the full terms. LOAN CALCULATOR Monthly repayment, total interest, total repayment and the principal-and-interest breakdown. Change the amount, the rate or the term and compare scenarios in seconds — short term against long term, one rate against another. EXTRA REPAYMENTS See how much interest you save by paying more than the minimum, and how many months come off the loan. HOW MUCH CAN YOU BORROW Work it backwards: enter the repayment you can comfortably afford and the app returns the largest loan amount at that rate and term. CHARTS AND REPAYMENT SCHEDULE Watch the balance come down, see how much of each repayment is interest and how that shifts over the life of the loan, and read the month-by-month schedule. BUDGET AND CAPACITY Track income and expenses and see what a new repayment would actually do to your month before you commit to it. REPAYMENT REMINDERS Save your loans and set reminders for due dates. Everything stays on your phone. WHAT YOU CAN WORK OUT • Personal loans and car finance • Home loan and mortgage repayments • Business and education loans • Debt consolidation and refinancing • General borrowing costs WHO IT IS FOR • you are comparing loan offers and want the real cost • you want to know the repayment before you apply • you are planning extra repayments or an early payout • you want to check what you can realistically afford • you want to keep on top of due dates CALCULATION PARAMETERS Loan amounts: AUD $1,000 – $200,000. Loan terms: from 61 days to 120 months. Maximum comparison rate used in the calculations: 36% p.a. EXAMPLE CALCULATION Loan amount: AUD $10,000 Loan term: 24 months Interest rate: 10% p.a. Estimated monthly repayment: AUD $461 Estimated total repayment: AUD $11,075 Estimated total interest: AUD $1,075 Example comparison rate: about 10.47% p.a. The example is a mathematical illustration, not a loan offer. IMPORTANT INFORMATION This app is an information service with calculation tools. It is not a bank, lender, broker or credit provider. It does not provide loans, approve credit, arrange financing or process loan applications. Any offers shown are products of third parties and may lead to the provider's website. Interest rates, comparison rates, fees, amounts and loan terms are set by each provider. The credit decision is made by the provider, and using this app does not guarantee approval. Results may vary depending on the lender, fees, repayment structure and your individual circumstances. Always check the current terms, comparison rate, fees and total cost with the provider before you apply.

Redesigned offer cards: terms are easier to read and longer descriptions are no longer cut off. The list loads faster and the repayment calculator has had small fixes.