Loans and Debt Calculators
23 free calculators in this category. Every result is worked out in your browser — nothing you type is sent anywhere.
Balloon Payment Calculator
Calculate the periodic repayment on an Australian loan with a balloon or residual amount due at the end, plus total interest and total repaid.
Open calculatorBuy Now Pay Later Repayment Calculator
Work out your instalment amount and total fees for a buy now pay later purchase, including any late fees if a payment is missed.
Open calculatorCompound Interest Loan Calculator
Estimate the periodic repayment and total interest on a reducing-balance loan where interest compounds on the outstanding balance each period.
Open calculatorCredit Card Minimum Payment Calculator
See how long a credit card balance takes to clear and the total interest paid if you only make the minimum repayment each month.
Open calculatorCredit Card Repayment Calculator
Find out how long your Australian credit card balance will take to pay off, what it costs in interest, and exactly how much extra repayments can save.
Open calculatorDebt Avalanche Calculator
Rank multiple debts by interest rate and estimate total interest saved by paying off the highest-rate debt first with any spare repayment budget.
Open calculatorDebt Consolidation Calculator
Compare the combined cost of several separate debts against a single consolidation loan to see if consolidating could lower your interest or repayments.
Open calculatorDebt Payoff Date Calculator
Estimate the exact date your debt will be fully repaid based on your current balance, interest rate and regular repayment amount.
Open calculatorDebt Snowball Calculator
Compare the snowball and avalanche debt payoff strategies across all your Australian debts to find your debt-free date and the total interest each saves.
Open calculatorDebt-to-Income Ratio Calculator
Work out your debt-to-income multiple and monthly repayment-to-income percentage, a key measure Australian lenders use to assess borrowing risk.
Open calculatorEarly Loan Repayment Calculator
See how much time and interest you could save by paying extra on top of your regular loan repayment, compared with sticking to the minimum schedule.
Open calculatorEffective Interest Rate Calculator
Work out the true annual interest rate on a loan once fees and compounding frequency are included, so you can compare offers on a like-for-like basis.
Open calculatorInterest-Free Period Calculator
Work out whether you can repay a purchase within a credit card's interest-free period, and the interest you would owe if you fall short.
Open calculatorLine of Credit Cost Calculator
Estimate monthly interest and ongoing fees on a line of credit or overdraft facility based on the average balance drawn and the annual rate charged.
Open calculatorLoan Comparison Calculator
Compare two loan offers side by side on interest rate, fees and term to see which one has the lower total cost and repayment amount.
Open calculatorLoan Fee Impact Calculator
See how much an establishment fee and ongoing account fees add to the true cost of a loan over its term, beyond the quoted interest rate.
Open calculatorLoan Repayment Capacity Calculator
Estimate the maximum loan repayment you could comfortably afford based on your income and existing expenses, using a simple surplus-based approach.
Open calculatorOverdraft Cost Calculator
Estimate the interest and fees charged on a bank account overdraft based on how much you are overdrawn, the rate charged and any daily fee.
Open calculatorPayday Loan Cost Calculator
Work out the true cost of a short-term small amount credit contract, including establishment and monthly fees, expressed as a dollar and percentage cost.
Open calculatorPersonal Loan Calculator
Estimate personal loan repayments, total interest and fees for the true cost of borrowing in Australia, including the effect of making extra repayments.
Open calculatorSecured vs Unsecured Loan Calculator
Compare the repayment and total interest cost of a secured loan against an unsecured loan for the same amount and term at different interest rates.
Open calculatorSimple Interest Loan Calculator
Calculate the total interest and repayment amount on a loan charged with simple interest, where interest is calculated only on the original principal.
Open calculatorTotal Debt Interest Calculator
Add up the estimated annual interest cost across up to three separate debts to see your total interest burden at current balances and rates.
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