Refinance hub
Explore hub →
Model break-even, term-for-term savings, and the 30-year reset trap with your balance and rates — free PDF plan.
Mortgage calculator
Mortgage calculator for Australian home loans
Model monthly principal & interest repayments on your home loan — 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, contact us online, 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 amortising loan at a constant nominal rate. Switching to fortnightly or weekly uses the standard Australian lender approach of paying half (or a quarter) of the monthly figure each period — which genuinely shortens the loan and saves interest. The numbers below model that saving; they do not model offset, redraw, fees, or rate changes.
The amount you intend to borrow after deposit.
Nominal annual rate — not the comparison rate.
Your estimated repayment
$3,636 / month
- Loan term at this frequency
- 30 yrs
- Total repayments
- $1,308,949
- Total interest (estimate)
- $708,949
Modelled from the scheduled monthly repayment of $3,636. Real-world results vary with daily-accrued interest, offset and redraw behaviour, lender fees and rate changes — confirm against your loan contract.
Want this checked against lender policy and fees? Send a quick enquiry with the numbers you used here.
A summary of your loan
Side-by-side at the same loan, rate and starting term — the saving comes purely from paying more often.
| Repayment plan | Repayment | Total interest | Total repayments | Loan term |
|---|---|---|---|---|
| Monthly repaymentsselected | $3,636 / month | $708,949 | $1,308,949 | 30 yrs |
| Fortnightly repayments | $1,818 / fortnight | $554,848 | $1,154,848 | 24 yrs 6 mo |
| Weekly repayments | $909 / week | $554,172 | $1,154,172 | 24 yrs 5 mo |
Modelling assumption: fortnightly repayment = monthly ÷ 2, weekly repayment = monthly ÷ 4. Both result in roughly 13 monthly-equivalent repayments per year instead of 12 — which is where the term reduction and interest saving come from.
How your loan changes over time
The charts below use the scheduled monthly repayment for the balance and principal-vs-interest view. 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.
Interest $3,050 Principal $586
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 home loan numbers checked against real lenders?
Estimates help orientation — product rules, assessment rates, fees, and offsets change what a home loan actually looks like at submission. As your mortgage broker, Bishnu Adhikari can stress-test what you modelled. Send a short note below, use the full contact form, or call 0400 77 77 55. You reach Bishnu Adhikari, not a queue.
Prefer WhatsApp? Message Azure Home Loans · Full contact form · 0400 77 77 55
After the numbers
Bundle reading + policy context before you lodge
First home buyer guide
Explore hub →
Calculators at the top: funds to complete, borrowing power, and 5% · 10% · 20% deposit compare — every state.
Self-employed hub
Explore hub →
Pathway finder, income estimator, and document library — full-doc, alt-doc, accountant letter, BAS, and ECE refinance lanes.
Investor hub
Explore hub →
Investment lending uses rental shading, portfolio debt, and APRA buffers — not just “rent minus repayments”. Model cashflow, loan structure, and illustrative capacity in the playground before you lodge.
Debt consolidation hub
Explore hub →
Consolidation can lower monthly outflows but often extends total interest paid — the trade-off needs to be explicit before you lodge.
Construction loans hub
Explore hub →
Construction files fail when contracts, valuations, and draw schedules do not match lender policy — not when the builder is slow alone.
Rates & fixed vs variable hub
Explore hub →
Headline rates matter less than how long you will keep the loan, offset use, and revert rates after any fixed period.
Pay off faster hub
Explore hub →
Cost-of-living pressure has more Australians looking for practical ways to pay down their mortgage sooner — and most online calculators only model one strategy at a time.
Prefer the full index? Resources home
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?
Call 0400 77 77 55, WhatsApp, or send an enquiry — Bishnu Adhikari replies directly.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.