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Home loan calculator

What will it really cost?

Monthly instalment, full amortisation schedule, and how much time and interest extra payments save.

Your inputs

and prime are examples only.

%
yrs
%
Prefilled with the example prime/home-loan rate for the selected country. Use your bank’s offered rate.
Used only for a 30%-of-income repayment rule of thumb.
Open branded report

Interest vs capital per year

Balance over time

Amortisation schedule

How it’s calculated

Loan = price × (1 − deposit). Monthly rate i = nominal annual rate ÷ 12. Instalment = L × i ÷ (1 − (1 + i)−n), n = term × 12. Each month interest = balance × i; capital = payment − interest. Extra payments reduce the balance faster and the loan ends early. Excludes transfer duty, bond registration, insurance, service fees and variable-rate changes.
Information, not advice. Illustrative estimate based on the assumptions shown. Lenders apply their own affordability and credit criteria.