Loan Calculators
Calculate repayments for car loans, personal loans and credit cards. Compare loans side by side to find the best deal.
All Loans Calculators
Personal Loan Calculator
Calculate monthly repayments and total cost for a personal loan. Compare secured vs unsecured loan options.
Credit Card Payoff Calculator
Find out how long it will take to pay off your credit card and how much interest you will pay.
Loan Comparison Calculator
Compare two loans side by side to see the difference in repayments, total interest and total cost.
About Loans Calculators
Personal loan interest rates in Australia range from approximately 6% for secured loans to 18%+ for unsecured products. Car loan rates typically fall between 5.5% and 10%, depending on whether the loan is secured against the vehicle. Dealer finance is often more expensive than bank pre-approval.
Credit card interest rates average 18-22% per annum. Paying only the minimum (2% of balance or $25) on a $5,000 debt can take over 40 years to clear and cost over $20,000 in interest. Increasing your monthly payment by even a small amount dramatically reduces both the time and cost.
When comparing loans, look beyond the headline interest rate. The comparison rate includes fees and charges, giving a more accurate cost picture. A balloon payment on a car loan reduces monthly repayments but leaves a large lump sum due at the end of the term.
Official sources: MoneySmart Personal Loans · MoneySmart Credit Cards
Built by Konstantin Iakovlev. Data sourced from official Australian government publications.