Loan Repayment Calculator

Estimate your regular home loan repayment and see how much of it goes to principal vs interest.

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Loan amount

Interest rate

Loan term (years)

Repayment type

Repayment frequency

Estimated monthly repayment

$3,690.40

Principal & interest

Total interest

$728,545

Total repaid

$1,328,545

Principal vs interest by year 15

Principal paid$169,320

Interest paid$494,952

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Key assumptions

Rate is constant for the full loan term.
No lender fees or offset are included here.

This calculator provides a general estimate only. Results are based on the information entered and the assumptions shown. Actual lender calculations, fees, rates, eligibility criteria and outcomes may vary. The results are not a loan approval, credit advice, financial advice, legal advice or tax advice. Speak with Box Seat Finance for an assessment based on your individual circumstances.

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Home Loan Offset

Model interest saved with an offset account.

Frequently asked

Is this what my lender will charge?

It's a general estimate. Your lender uses a specific compounding method, fees and rules. Talk to Ryan for a like-for-like quote.

Should I choose interest only?

Interest only keeps repayments lower short-term but you don't chip away at the principal. It suits some investment strategies — chat before choosing.