Borrowing and debt

Loan Repayment Toolkit

Estimate the scheduled payment first, then test extra payments or compare products using the same amount and term.

A simple order

Three steps to a clearer answer

Included tools

Compare repayments, interest, payoff timelines and debt strategies for loans, cards and vehicle financing.

Estimate monthly loan payments, amortisation, extra-payment savings and payoff time.

Generate a monthly loan amortization schedule with payment, principal, interest, balance and optional extra payments.

Estimate mortgage interest and time saved by adding a fixed extra amount to every monthly payment.

Estimate a flat-rate personal-loan instalment and compare the quote with its approximate effective annual cost.

Estimate how long a credit-card balance takes to clear and how much interest the payment plan may cost.

Estimate debt payoff time, total interest and the effect of an extra monthly payment.

Compare a quoted flat car-loan rate with its approximate effective annual reducing-balance cost.

Estimate your debt service ratio, monthly headroom and whether a proposed payment fits a selected planning limit.