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Loan repayments calculator

Loan Repayment Calculator

Calculate your loan repayments and see the impact of extra payments

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Assumptions

  • Does not account for up-front fees. Only ongoing fees are included.
  • Interest rate remains constant throughout the loan term.
  • Interest is compounded at the same frequency as repayments.
  • A year is calculated as 26 fortnights or 52 weeks (364 days).
  • Calculations are precise without rounding until final display.

Loan Repayment and Amortisation Calculator

Understanding your repayments is one of the most important steps when choosing a home loan. Our loan repayment and amortisation calculator helps you estimate what your regular repayments could look like based on your loan amount, interest rate and loan term.

You can adjust the figures to see how changes in rate or loan size may affect your weekly, fortnightly or monthly repayments. It is a simple way to plan ahead and ensure your loan aligns with your budget.

What Is an Amortisation Schedule

An amortisation schedule shows how your loan reduces over time. Each repayment is made up of interest and principal. In the early years, a larger portion of your repayment goes towards interest. As the loan progresses, more of each payment reduces the principal balance.

By viewing your amortisation breakdown, you can see:

  • How much interest you may pay over the life of the loan

  • How long it may take to pay off your loan

  • The impact of making extra repayments

This calculator provides an estimate only. Actual repayments and interest charged will depend on your lender, loan product and individual circumstances.

If you would like tailored guidance, Finance Industries Australia can review your results and compare options across our panel of 70 plus lenders. We will help you structure your loan to suit your goals and ensure your repayments remain manageable both now and into the future.

Want to chat about ways to pay your loan down faster?

Book a discovery call or send us a message using the form below. We will review your loan options and discuss your goals and next steps.

Based in Howrah 7018, we support clients across Hobart, greater Tasmania and Australia wide through secure digital systems and personalised service.

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1300 648 175 info@financeindustries.com.au

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FABIAN RESTAINO (Credit Representative Number 382599) and Finance Industries Australia Pty Ltd (ABN: 81 619 871 788 with Credit Representative Number 500181) are authorised Credit Representatives under Australian Credit Licence 387025.

The information provided is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

Luke Shrewsbury

Finance Broker
Luke has over 15 years experience in Financial Services and has developed a deep understanding of the importance of working with clients to achieve their goals, and ensuring the right frameworks are in place to aid this.
After obtaining a job in credit card defaults and collections in his early 20’s while finishing his studies - Luke felt he could make a real difference to those around him, simply to better understand money, cut through the jargon and make better decisions, so he dedicated himself to learning and practising this throughout his career.

Having worked in a range of roles, this expertise gained and a thorough understanding of the industry and an ability to convey these in a simple, plain English manner, have ensured clients receive first class experience and feel confident in their future.

Luke is committed to his ongoing education, and this ensures clients are kept up to date with industry rules, taxation, and other changes that often occur.
Luke has previously provided financial commentary to News Limited publications such as the Courier Mail, Daily Telegraph and News.com.au.
Outside of work, Luke can be found out and about with his wife, and young daughters, on the water – boating or surfing, or generally keeping active and enjoying everything Queensland has to offer.

George Hawi

Broker
George Hawi is a dedicated finance professional with over 10 years of experience in the finance industry, bringing deep expertise, strategic insight, and a client-first approach to his role at Finance Industries Australia (FIA). Throughout his career, George has worked closely with individuals, families, and businesses to deliver tailored financial solutions that support long-term success.
At FIA, George plays an active role in driving strategic initiatives, strengthening industry partnerships, and enhancing the value delivered to clients and stakeholders. He is passionate about helping clients achieve their goals and is committed to providing clear guidance, structured solutions, and ongoing support throughout their financial journey.
Beyond his professional work, George is actively involved in the community through charity initiatives and fundraising efforts, reflecting his strong belief in giving back and making a meaningful impact.
Outside of work, George enjoys spending quality time with his family, travelling, and staying active in the community. He is a passionate Rugby League fan and a loyal Manly supporter, and on weekends, you’ll often find him watching the UFC with friends.
George Hawi is a Credit Representative 573339 authorised under Australian Credit Licence 387025.
Giuliana Restaino

Giuliana Restaino

Client Support Manager
Giuliana has been in the front line of Management in Client and Customer Liaison for over 25 years.

Working with large corporations and companies, directly in Administration and Customer Service, this is her passion and she is always happy to go over and above for her clients everyday.

As a mother of three beautiful children, life is busy, and time management is of high priority. Giuliana has learnt to prioritise what’s most important and always ensures that the company and people she works with, directly or indirectly, are a big part of her day! You will always know you’re taken care of and have been made a priority with the service that Giuliana projects.
Anne-Marie Tonkin

Anne-Marie Tonkin

Head Broker
As a mother with a mortgage and young family, Anne-Marie connects personally with her clients. Together with her industry knowledge, she understands and appreciates many of her clients’ concerns, ensuring that every step of their financial journey, is as seamless and stress-free as possible.

Anne-Marie is dedicated to breaking old models of thinking, and helping her clients discover many positive possibilities, which they may not have been aware of.

Credit Representative 502467 is authorised under Australian Credit Licence 387025

Fabian Restaino

Principal & Finance Manager
Fabian’s passion for the finance industry spans decades. He has accrued a vast wealth of experience, which he applies today, at Finance Industries Australia. The company’s service offerings have diversified since inception, to provide a comprehensive portfolio of financial advice, enabling clients to save both time, and money.

When not in the office, Fabian can be found actively involved in local community work. He is Chairperson of the Board at Varsity Lakes Community Limited, where many fundraising events are hosted, to build local businesses, charities, as well as support numerous youth education programs.

With Fabian at its helm, FIA is very much dedicated towards providing access to quality financial advice, regardless of age or financial position.

Credit Representative 382599 is authorised under Australian Credit Licence 387025