Free Tools

Finance Calculators

Use our free calculators to estimate repayments, borrowing power, and compare different loan scenarios. All results are instant — no sign-up required.

Calculator

Loan Repayment Calculator

Estimate your monthly repayments based on loan amount, interest rate, and term. Adjust the sliders to compare different scenarios and find the right balance.

Instant Results

See monthly payments, total interest, and total cost

Visual Breakdown

See how much goes to principal vs interest

Calculator results are estimates only and do not constitute a quote or offer of finance. Actual repayments will depend on your individual circumstances, credit assessment, and lender terms. Fees and charges may apply.

Loan Repayment Calculator

Estimate your monthly payments based on loan amount, interest rate, and term.

Loan Amount
$50,000
$5,000$500,000
Interest Rate (p.a.)
6.99%
3.00%15.00%
Loan Term
5 years
1 years 7 years
Monthly Payment
$989.82
Total Interest
$9,389
Total Repayment
$59,389
Principal (84.2%)Interest (15.8%)
Principal: $50,000
Interest: $9,389

This calculator provides estimates only. Actual rates and repayments may vary based on your circumstances and lender requirements.

Borrowing Power Calculator

Estimate how much you could borrow based on your income

Annual Income (before tax)
$100,000
$30,000$500,000
Monthly Expenses
$2,000
$500$10,000
Existing Monthly Debt Repayments
$500
$0$5,000
Number of Dependents0
Your Estimated Borrowing Power
$0
Based on current market conditions

This is an estimate only. Actual borrowing capacity depends on individual circumstances, lender policies, and credit assessment.

Get Pre-Approved Today
Calculator

Borrowing Power Calculator

Estimate how much you could borrow based on your income, expenses, and financial commitments. This gives you a starting point for your property search or finance application.

Income-Based Estimate

Based on 30% serviceability ratio used by most lenders

Adjustable Factors

Account for expenses, debts, and dependents

Calculator results are estimates only and do not constitute a quote or offer of finance. Actual repayments will depend on your individual circumstances, credit assessment, and lender terms. Fees and charges may apply.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

Ready for a Real Quote?

Our calculators give estimates. For an accurate, personalised quote based on your circumstances, apply today — it's free and won't affect your credit score.