Calculators
Run the numbers before you talk to anyone
Five calculators covering the questions that actually come up. No email address required, no results held back — the figures update as you type.
Repayment estimator
What a loan costs per month, fortnight or week — and in total.
OpenConsolidation comparison
Your current debts versus one consolidated loan.
OpenBorrowing power
A rough guide to what a lender might consider lending you.
OpenBusiness loan cost
True cost of a facility including the establishment fee.
OpenExtra repayments
What paying a bit more each month does to the term.
Open01 · Repayment
Loan repayment estimator
The core calculation behind every amortised loan: a fixed amount, borrowed at a fixed rate, repaid in equal instalments. Adjust the term to see the trade-off — a longer term lowers the repayment and raises the total interest, every single time.
Assumes a fully drawn principal and interest loan with no fees. Fees are why the comparison rate exists, and why it's always slightly higher than the headline rate.
Repayment estimator
Move the sliders to see how the numbers change.
- Total interest
- $6,500
- Total repayable
- $31,500
02 · Consolidation
Debt consolidation comparison
Enter each debt with its balance and rate. The calculator estimates what you're paying now across all of them and compares it to a single consolidated loan.
Watch both outputs. A lower monthly repayment with a higher total interest bill means you've bought cash flow, not savings — sometimes exactly what's needed, but worth knowing.
Current repayments are modelled on a typical credit card minimum (interest plus 2% of balance). Your actual minimums will differ.
Compare consolidating your debts
Enter what you owe now and what rate each debt charges. Change any figure to see the difference.
Credit card
Personal loan
Car loan
Other debt (BNPL, store card)
- Total debt consolidated
- $37,000
- Paying separately, per month
- $0.00
- One consolidated repayment
- $0.00
- Interest on the new loan
- $0
03 · Capacity
Borrowing power estimate
A rough indication only. Real serviceability assessment applies a buffer above the actual rate — APRA guidance is generally three percentage points — plus a minimum living expense benchmark and the lender's own credit policy.
Note that credit card limits count against you even when the balance is zero. Closing an unused card can lift borrowing capacity more than most people expect.
Borrowing power estimate
A rough guide to what a lender might consider. Every lender assesses differently.
- Monthly surplus used
- $0
- Assessed at (rate + 3% buffer)
- 9.25%
- Repayment at actual rate, 30 yrs
- $0.00
04 · Business
Business loan cost calculator
Includes an establishment fee, because in commercial lending it's often a percentage of the loan rather than a flat charge, and it changes the real cost considerably.
If a lender quotes you a factor rate instead of an annual rate, convert it before comparing. A factor of 1.25 on $100,000 means repaying $125,000 — over twelve months that's an effective annual cost far above 25%.
Business loan cost calculator
Work out the true cost of a facility, including an establishment fee.
- Roughly per week
- $0.00
- Total interest
- $0
- Establishment fee
- $0
- Total cost of finance
- $0
05 · Extra repayments
Extra repayment calculator
Small consistent overpayments have a disproportionate effect, because every extra dollar comes straight off the principal and stops accruing interest for the remaining life of the loan.
Check your contract first — some fixed-rate loans cap extra repayments or charge a break cost.
Extra repayments calculator
See what paying a little more each month does to your loan.
- Interest saved
- $0
- Minimum repayment
- $0.00
- New repayment
- $0.00
- Loan paid off in
- —
Numbers looking workable?
The next step is finding out which lenders would actually say yes to your situation.
Checking your options does not affect your credit score. A credit check is only done if you decide to apply with a lender.