Loan Repayment Calculator – Home, Investment & Commercial Loans
Trying to work out how much your loan repayments will be?
Our Loan Repayment Calculator helps you estimate your repayments for home loans, investment property loans, and commercial loans so you can budget smarter and make confident decisions.
Whether you’re buying your first home, building a property portfolio, or financing a commercial property, this tool gives you a clear snapshot of your potential repayments.
How to Use the Loan Repayment Calculator
1. Enter the Loan Amount
- This is how much you’re looking to borrow.
Example: $500,000 for a home loan or $850,000 for a commercial property.
2. Input the Interest Rate
- Use a current interest rate or an estimate based on what banks and lenders are offering.
Tip: Home loans generally have lower rates than commercial or investment loans.
3. Choose Your Loan Term
- This is how long you’ll take to repay the loan — typically 25–30 years for residential loans, and 15–25 years for commercial loans.
4. Select Repayment Frequency
- Pick how often you want to make repayments: weekly, fortnightly, or monthly.
5. Add Extra Repayments (Optional)
- Want to pay off your loan faster? Add any regular extra repayments here to see how much time and interest you could save.
6. Click ‘Calculate’
- Instantly see your estimated loan repayments and total interest payable over the life of the loan.
Home Loans
Use this calculator to plan your mortgage repayments and compare how different interest rates or terms affect your home loan.
Investment Loans
Understand the cost of your investment property loan and how rental income might offset your repayments.
Commercial Loans
Estimate repayments for commercial property, business premises, or equipment finance — ideal for business owners and investors.
Pro Tip:
Use this calculator when comparing lenders or deciding between principal & interest vs interest-only repayments. It’s a great way to understand what you can afford and prepare for discussions with your broker or lender.