Personal loan calculator
Any fixed-rate installment loan
A lower rate over the same term cuts the total interest. Compare written offers, not this sketch.
No lender in this market publishes a rate we can use as a starting point, so there is nothing to base a payment on yet. Set the rate yourself to sketch a figure — it will be your number, not a quote.
A sketch, not a lender quote.
The matchmaker ranks licensed lenders in this market on the amount and term you asked for. No credit check to browse.
This calculator estimates the monthly payment and total interest on a fixed-rate instalment in Australia. It does not include every lender fee and it is not a quote. Enter the amount you need, a p.a. from a written offer — or a conservative guess — and the term in months.
How to read the result
Stretching the term lowers the monthly figure and usually raises the interest you pay in total. Compare that trade-off with the cards on personal loans. If you are consolidating card balances, read when consolidation pays before you apply.
For the difference between a headline rate and p.a., see p.a. versus the nominal rate. Then match on the same amount and term — we run no credit search.