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What it costs to hold
Home Loan Repayment
Enter the loan, rate, term and frequency — see your repayment, the total interest paid, and a chart of the balance reducing year by year. Switch between principal & interest and interest-only.
$
% p.a.
years
Repayment frequency
Repayment type
Repayment per month
$4,593.52
Over 30 years at 6.20% p.a.
Loan amount$750,000
Total interest$903,666
Total to repay$1,653,666
Principal vs interest
- Principal$750,000
- Interest$903,666
Loan balance over time
Year 0$0 · Year 30
Assumptions & method
- Repayments assume a constant interest rate for the full term — real rates move.
- Interest-only mode capitalises nothing; repayments step up to P&I over the remaining term once the IO period ends.
- Excludes fees, offset/redraw, lenders mortgage insurance and rate changes.
- General information only — not credit assistance or a loan offer.
Beyond the numbers
A number is a starting point, not an answer
These tools model the mechanics. The decision depends on structure, timing and the specifics of your scenario — that's the conversation worth having.