Loan Repayment Calculator

Published on July 07, 2026 03:10pm · Sana Hosseini
Loan Repayment Calculator | Multi Scenario

Loan Repayment Calculator | Multi Scenario

Compare up to nine loan structures with intro rates, extra repayments, lump sums, offsets, and ongoing yearly and monthly fees.

Loan Repayment Calculator for Comparing Home Loan Scenarios

This loan repayment calculator helps you compare up to nine loan options side by side, including the loan amount, rate, term, repayment frequency, ongoing yearly fees, monthly fees, extra repayments, lump sums, and a starting offset balance. Use the calculator to test how a different loan structure may change your regular repayment, total interest, total fees, loan term, and estimated saving compared with Scenario 1.

Whether you are reviewing a new home loan, refinancing an existing loan, or weighing up repayment strategies, this calculator gives you a practical way to model repayment outcomes before you speak with a lender or broker. The results are designed for planning and comparison only, but they can help you understand how loan repayments may move when rates, fees, offsets, extra payments, and lump sums change.

Results

Amount Rate % Repayment FREQ Fees Saving Term

Loan Balance Over Time

Payment Summary

Period Date Balance Interest Repayment Fees Offset Lump Sum Additional End Balance

Assumptions: Yearly and monthly ongoing fees are spread across the selected repayment frequency and added to cash outflow, not principal. Starting offset reduces interest charged but does not reduce the loan balance or scheduled repayment.

Calculations are estimates only. Payment timing, lender rounding, compounding rules, and fee handling may differ from a lender quote.

Key Facts Sheet and Important Information

You may request a personalised Key Facts Sheet from your lender or broker to help compare loan products before you apply. This calculator on financebysana.com is designed to support that comparison by showing estimated loan repayment amounts, interest, fees, savings, and loan balance movement across up to nine scenarios.

The PDF reports produced by this calculator are not a lender-issued Key Facts Sheet and are not a credit quote, loan offer, pre-approval, or recommendation. A formal Key Facts Sheet may use a lender's advertised headline rate, comparison rate method, product rules, repayment assumptions, and fee schedule.

Things You Should Know

  • Calculations are estimates provided as a guide only and depend on the information you enter into the calculator.
  • Interest rates, fees, repayment amounts, lender policies, loan features, eligibility rules, and product availability can change without notice.
  • Actual repayments may differ because of daily interest calculations, payment dates, lender rounding, compounding rules, fee timing, offset treatment, repayment frequency, and how a lender applies extra repayments or lump sums.
  • Fees and charges may include establishment fees, settlement costs, valuation fees, package fees, monthly service fees, annual fees, government charges, discharge fees, break costs, lenders mortgage insurance, or other costs not entered into this calculator.
  • A starting offset balance is modelled as reducing interest charged; it is not treated as reducing the loan balance or scheduled repayment.
  • Extra repayments and lump sums are modelled as reducing the outstanding loan balance and may shorten the estimated term rather than reducing the scheduled repayment.

Comparison Rates and Repayment Assumptions

A comparison rate is a regulated example that combines the interest rate with certain fees and charges for a specific loan amount and term. The comparison rate may not include all costs and may not reflect your loan size, repayment frequency, offset balance, introductory rate, interest only period, package discount, or any additional repayments.

Different terms, fees, loan amounts, repayment types, and loan features can produce a different repayment and a different total cost. If you are comparing lender products, ask each lender for the relevant Key Facts Sheet, comparison rate, fees and charges, target market determination, and full terms and conditions.

Eligibility and Credit Assessment

This calculator does not assess whether you are eligible for a loan. Loan applications are subject to credit assessment, responsible lending obligations, verification of income and expenses, satisfactory security, deposit requirements, valuation, loan purpose, loan-to-value ratio, and lender approval criteria.

General Information Only

The information on financebysana.com is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be treated as personal financial advice, tax advice, legal advice, or a recommendation to apply for any particular loan.