Extra Repayments Calculator

A little extra each month can cut years — and serious interest — from your loan.

Loan balance ($)

Interest rate (% p.a.)

Remaining term (years)

Extra repayment per month ($)

Estimated interest saved

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Standard monthly repayment—

With extra repayments—

Loan paid off—

Time saved—

Extra repayments work even harder on a lower rate — check yours is competitive first.

Lower rate + extra repayments = compounding wins

Before committing extra cash, make sure the base rate is right. We'll watch it for you.

Start free monitoring Offset vs extra repayments →

This calculator is an estimate only and does not consider your full circumstances, lender fees, eligibility, valuation, credit policy or final loan approval. It assumes a constant interest rate and that extra repayments are made every month from now until payoff. Some fixed loans cap extra repayments.