The number pantry
Home-loan maths.
Without the word salad.
Change the assumptions once, then compare repayments, offsets, extra payments, interest-only periods and loan terms. Estimates update instantly and stay in your browser.
Shared assumptions
Start with the loan.
Repayment calculator
What could the regular repayment look like?
Principal-and-interest repayments using the rate and term above.
Offset calculator
Keep cash nearby. Reduce the interest calculation.
This model assumes the offset balance stays constant and your scheduled monthly repayment does not reduce.
Potential interest saved…
Potential time saved…
Initial balance charged interest…
Extra repayment calculator
See what a little more could do.
Assumes the same extra amount is paid every month from the beginning of the loan.
Potential interest saved…
Potential time saved…
Estimated new loan term…
Interest-only comparison
Lower now can mean higher later.
Assumes the rate stays unchanged and the original loan term includes the interest-only period.
Total interest with IO period…
Extra interest versus P&I from day one…
Repayment increase after IO…
Loan-term comparison
A shorter term costs more each month but less overall.
Compare the same loan and interest rate across common principal-and-interest terms.
TermMonthly repaymentTotal interestInterest saved vs 30 years
Important: These are estimates, not quotes or credit assessments. They assume the stated rate remains unchanged, repayments are made on time and no fees apply. Actual lender calculations, repayment timing, daily interest, rate changes, fees and rounding will affect the result.
Numbers are the start
A calculator cannot read lender policy.
Bonuses, STI, commission, equity awards, allowances, business income, existing debts and living costs can change the real assessment. The Finance for Foodies and Alcove team can review the full position.