Australian Home Loan Repayment Calculator
Estimate principal-and-interest repayments without hiding a market rate or national cost average in the result. Compare monthly, fortnightly and weekly schedules, a rate-rise scenario and optional extra repayments.
Official sources reviewed 20 September 2026
Estimate your Australian home-loan repayments
Your figures stay in this browser and are not saved or uploaded.
- Regional coverage
- 6 states + ACT and NT
- Loan modelled
- Principal and interest
- Currency
- Australian dollar (AUD)
See all included areas
Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria and Western Australia. Transfer duty, grants and concessions remain local and are not added automatically.
Important notice
For general information and educational use only. This calculator is not financial, credit, legal, tax, insurance or home-loan advice, a Key Facts Sheet, a quote, pre-approval, offer of credit or guarantee of eligibility. Results depend entirely on the figures entered and can differ from a lender's calculations, fees, product rules and credit assessment. Do not make an offer, sign a contract or make a financial commitment based only on this estimate. Compare products using lender-issued Key Facts Sheets and confirm all figures with the lender and relevant professionals.
What this calculator shows
Repayments and full loan cost
See the scheduled payment, first-payment split and total interest for a principal-and-interest loan at a constant rate.
Rate-rise scenario
See the payment at your rate plus 3 percentage points. It is a budget scenario only and does not reproduce a lender's full serviceability assessment.
Cash and ownership budget
Combine the deposit, user-entered buying costs and ongoing council rates, insurance, strata, maintenance, utilities and regular loan fees.
Important limits
This version models a fully amortising principal-and-interest loan with a constant annual rate and equal repayments. Following MoneySmart's published assumption, interest compounds at the selected repayment frequency. Actual lenders may calculate interest daily, debit repayments differently or round amounts differently. The calculator does not estimate borrowing capacity, interest-only or split loans, future variable-rate changes, comparison rates, offset or redraw effects, lender-specific extra-payment limits, LMI premiums, transfer duty, grants, concessions, legal or registration fees, tax outcomes or government-scheme eligibility.
State and territory coverage
The repayment formula is available nationwide in the Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria and Western Australia. Transfer duty, grants and concessions are set by the relevant state or territory and are not added automatically.
The optional selector keeps the nationwide repayment formula when left blank. If you choose a jurisdiction, it only shows the corresponding official revenue-office calculator so you can enter a confirmed buying-cost estimate.
Official Australian references
- MoneySmart: mortgage calculator, assumptions and disclaimers
- MoneySmart: state and territory transfer-duty calculators
- MoneySmart: choosing a home loan and Key Facts Sheets
- MoneySmart: deposits, LVR and lenders mortgage insurance
- ASIC: what a comparison rate includes and excludes
- APRA APS 220: residential mortgage serviceability buffer
- MoneySmart: how interest-only home loans differ
JustFileKit is not affiliated with the Australian Government, ASIC, MoneySmart or APRA.
Frequently asked questions
Why can my lender's repayment differ?
Lenders can calculate interest daily, use different repayment debits, include product fees and apply their own rounding and timing rules. This calculator follows the clearly stated MoneySmart-style frequency-compounding assumption so the estimate can be reproduced.
Does an LVR above 80% always mean I will pay LMI?
No. MoneySmart says you may need LMI above 80% LVR, but lender policy, a guarantor or an eligible government scheme may change the outcome. Only a lender can confirm whether LMI applies and its amount.
Is the rate plus 3% result my borrowing-power test?
No. APRA requires an authorised deposit-taking institution to apply at least a 3 percentage point serviceability buffer, but lenders also assess verified income, debts, expenses and other scenarios. This page shows only the repayment at the higher rate.
Why does the calculator not work out stamp duty?
Transfer duty and concessions depend on the state or territory, property, price, use and buyer eligibility. Enter an estimate from the relevant revenue-office calculator or your conveyancer rather than relying on a made-up national figure.