Mortgage calculator
Mortgage calculator for Australian home loans
Model monthly principal & interest repayments — the same core maths most people mean when they search “mortgage calculator”. Results are estimates only. When you want product fit, assessment rates, and fees checked, use the enquiry form below or call 0400 77 77 55.
Full calculator toolkit — refinance, extra repayments, offset illustration, stamp duty links, and more.
Mortgage repayment calculator
Estimate principal & interest (P&I) repayments for a standard monthly amortising loan at a constant nominal rate. Interest-only schedules, offset and redraw behaviour, and lender fees are not modelled — treat the figure as a baseline, then confirm against your loan contract or broker advice.
The amount you intend to borrow after deposit.
Nominal annual rate divided by twelve each month — not comparison rate.
Estimated repayment
$3,636 /month
- Total repayments
- $1,308,949
- Total interest (estimate)
- $708,949
This shows a steady payment line — your lender's actual repayment may differ slightly due to daily interest rounding and product features.
Want this checked against lender policy and fees? Send a quick enquiry with the numbers you used here.
How your loan changes over time
The charts below update as you change the numbers above. Move your pointer over the curves to see estimated balance by month, and how principal paid and interest paid build up over the life of the loan.
Loan balance over time
Move your pointer along the line to see the estimated balance at each month.
Tap or drag on the chart to see figures for a particular point in time.
Cumulative principal vs interest paid
Lower band: principal repaid. Upper band: interest paid. Total height is cumulative cash out.
Move across the chart to compare how much principal and interest you’ve paid at any point.
First repayment split
Early repayments skew to interest; principal share grows over time.
General information only. These calculators provide estimates based on the numbers you enter. They do not constitute credit advice, take your full situation into account, or replace a lender's assessment. Fees, eligibility, and actual offers vary. Speak with a broker for guidance tailored to you.
Want these numbers checked against real lenders?
Estimates help orientation — product rules, assessment rates, fees, and offsets change outcomes. Send a short note with what you modelled, or call 0400 77 77 55. You reach Bishnu Adhikari, not a queue.
Prefer WhatsApp? Message Azure Home Loans.
More tools on one page
Compare refinance savings, stress-test extra repayments, IO vs P&I, offsets, loan terms, and blended split rates — all alongside the same enquiry path when you are ready to talk to Bishnu Adhikari.
Open all calculatorsRan the mortgage calculator — unsure what to do next?
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