Personal Loan Calculator
Calculates personal loan repayments including upfront and monthly fees.
Your result
Estimate only. Results update as you type.
How this calculator works
Repayment = standard loan repayment + monthly fee. Total cost adds the upfront fee.
Worth knowing
A secured personal loan usually has a lower rate than an unsecured one.
Guides for this calculator
- Personal Loan Calculator: Formula, Example and What the Result Means
- Personal Loan: What to Check Before You Trust the Number
Questions
- What is a comparison rate?
- It combines the interest rate and most fees into one annual rate, usually based on a $30,000 loan over five years, to make loans easier to compare.
- Do the results include fees?
- Only where a fee input is shown. Add any known fees for a more realistic total.
- Where can I get help with debt?
- The National Debt Helpline (1800 007 007) offers free, confidential financial counselling.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.