Slide for a quick feel or type exact figures. Add a start date, an offset and extra repayments — then see your equity and LVR milestones below.
Your loan
$
$100k$5m
Tip — tap any figure to type an exact amount, rate or term.
%
3%15%
Indicative assumption — not a quoted or advertised rate, or an offer of credit.
yrmo
5 yrs40 yrs
/ month
Pay more than the minimum? Enter what you actually repay each period.
Advanced (optional)
Interest onlyA period of interest-only repayments
Fixed rate periodA fixed term, then a revert rate
Ongoing feeA package or account-keeping fee
Offset accountSavings that cut your interest
$
$0$10m
Property & equityTrack value, equity & LVR over time
$
%
Estimated repayment
$3,982/month
over 30 years at 6.20% · paid monthlyoverride
Total interest
—
Total repaid
—
Debt-free in
—
Interest saved
—
Balance over time
LoanOffset balanceYou owe (net)
—
Extra repayments & offset deposits
Nothing added yet — model a lump sum or a regular top-up to see the payoff move.
Key milestones & equity
Snapshot year
Property value & equity over time
ValueLoanEquity
When your LVR drops below…
Turn on Property & equity in your loan details to see value growth, equity, LVR and usable-equity milestones.
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Projections only. This calculator provides estimates for guidance purposes and does not constitute financial advice. It uses a day-by-day simulation with monthly interest charging (Actual/365), consistent with standard Australian lending practice. Results assume constant interest rates, repayment amounts and property values over the loan term, and do not account for rate changes, income fluctuations, fees or charges not entered, changes in personal circumstances, or broader economic conditions. Property growth and usable-equity figures (lender LVR cap 80% / 90% × value − loan balance) are illustrative only and past performance is not a reliable indicator of future results. This is general information only — it does not take into account your objectives, financial situation or needs, and is not a loan approval, pre-approval or an assessment of your borrowing capacity. Please consult a qualified mortgage broker or financial adviser before making any financial decisions.
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