Loan Calculators Australia
Free Australian loan calculators for car loans, personal loans, mortgages and more. Calculate monthly repayments, compare loan terms and see total interest costs.
Loan Repayment Calculator
Monthly repayments and total interest for any loan. Car loans, personal loans and more.
LoansCar Finance Calculator
Monthly repayments with optional balloon payment. Total cost breakdown for vehicle finance.
LoansMortgage Repayment Calculator
Home loan repayments, total interest, and how extra payments save you money.
LoansCompound Interest Calculator
See how savings grow with compound interest. Includes regular deposits.
SavingsSavings Goal Calculator
How long until you hit your savings target?
SavingsNovated Lease (EV)
EV novated lease calculator. Take-home pay impact and balloon payment.
LoansBorrowing Capacity
Estimate how much a bank will lend you based on income and debts.
LoansRefinance Calculator
See if switching lenders could save you money on your loan.
LoansChoosing the right loan in Australia
Australian lenders offer a range of loan products, each suited to different purposes. Understanding the differences helps you choose the cheapest option for your needs.
Car loans (secured) use the vehicle as collateral. Rates are typically 5.5–9% p.a. because the lender's risk is lower. Use the car finance calculator for loans with balloon payments, or the loan repayment calculator for a standard car loan.
Personal loans (unsecured) don't require collateral, so rates are higher (7–15% p.a.). They're flexible — you can use them for anything — but the total interest cost is more.
Home loans are the largest loan most Australians take out. Start with the mortgage repayment calculator to estimate monthly repayments, then check your borrowing capacity to see what a bank might approve.