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What will my home loan cost, and how much sooner could I pay it off?

See the repayments, payoff timing and interest effect of an offset or extra payments.

These are example figures

Change any of them and the answer updates straight away.

Your loan and property

Start with the amount you will borrow and the property value.

Rate and term

Per year

Offset, extra repayments and buying costs

Adjust these when they apply to your loan.

Repay
Loan starts
25/09/2026

Sets transfer duty

Adds LMI to upfront cash above 80% LVR

Repayment each month

$4,108

Your answer

Repayment each month

$4,108

Principal and interest · first-period estimate

Your estimated repayment is $4,108 each month; the annual projection shows $843,260 in interest.

Total interest
$843,260
Annual projection
Debt-free by
25 Sept 2056
Year-end estimate
Loan-to-value ratio
81.3%
Above 80%: lenders usually charge LMI

Your loan balance over time

Loan balanceInterest paid
The annual projection shows the closing loan balance and the interest paid so far.

Found a property? Run it through A.R.I.

See its cash flow, tax and equity year by year. It’s free.

Open A.R.I.

Over the life of the loan

Amount borrowed
$650,000
Total interest
$843,260
Total repaid in annual projection
$1,493,260

Cash to buy (estimate)

Deposit
$150,000
Transfer duty (NSW)
$31,305
Upfront cash
$181,305

  • Calculation period

    PMT uses the selected repayment period; ARI projection and totals use annual periods.

    Same as A.R.I.

  • Offset

    Held constant; reduces interest-bearing debt, not the loan principal.

    Same as A.R.I.

  • Extra repayment

    Applied once per projection year after the scheduled payment.

    Same as A.R.I.

  • LMI

    Optional premium plus state duty above 80% LVR; excluded from principal.

    To confirm

  • Transfer duty

    Unsupported jurisdictions have no complete upfront cash estimate.

    Same as A.R.I.

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  • Save your scenarios

    Keep this scenario and come back to it from any device.

  • Start from your Portfolio

    Fills in your loan balance, rate, offset, property value and state from your Portfolio.

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