Mortgage repayment and payoff calculator.
Estimate the required monthly repayment, the interest over the remaining term and a possible mortgage-free date. Then explore how an offset balance or an additional monthly repayment may change the modelled path. Results are estimates based on the assumptions shown — not a lender calculation or a recommendation.
Your estimated mortgage path
These results are estimates based on the information entered and the assumptions shown below.
Enter your current loan details and select Calculate to see the estimate.
This calculator provides general estimates only. It does not consider all lender calculation methods, fees, product terms or your complete circumstances. Results are not a loan quote, credit assessment, approval or personal recommendation. Actual repayments, interest and repayment timing may differ.
What this estimate can—and cannot—tell you.
It can help you explore
- An indicative required repayment.
- The possible effect of an offset balance.
- The possible effect of additional repayments.
- An estimated mortgage-free date.
- Estimated interest under the selected assumptions.
- How a changed term may affect repayment timing.
It cannot tell you
- Whether a loan product is suitable.
- Whether refinancing is appropriate.
- What rate a lender will offer.
- Whether an application will be approved.
- What a lender valuation will be.
- Whether additional repayments are affordable.
- Whether future interest rates will change.
- The exact repayment or interest a lender will charge.
Use the estimate to ask better questions.
Can I sustain this repayment?
A modelled repayment is useful only if it remains manageable alongside other household commitments and possible rate changes.
Is the offset worth its cost?
Compare the possible interest effect with any package or account fees and how much money is likely to remain in the offset.
Could the current lender reprice?
A repricing request may be worth considering before assuming that a lender change is necessary.
Would switching create a net benefit?
Consider discharge, application, valuation, registration, settlement and possible break costs, as well as the remaining loan term.
Get a written view of your possible mortgage path.
The Mortgage Freedom Review may bring together your current loan details, estimated mortgage-free date, repayment and interest scenarios, relevant switching costs and the possible Stay, Reprice or Refinance paths.
This starts an enquiry—not a loan application, recommendation, approval or guarantee of an earlier payoff.
This calculator provides general estimates only. Results are not a loan quote, credit assessment, approval or personal recommendation.
Important — General Information Only
This information is general in nature and does not take into account your personal objectives, financial situation or needs. It is not personal advice, credit advice, tax advice or legal advice, and is not a recommendation to enter into, refinance, or remain in any particular credit contract. Any figures, calculations, or projections shown are simplified examples for illustration only — they are not guarantees or forecasts, and actual outcomes will vary based on your circumstances and the lender's assessment.
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