Use this personal loan calculator Australia borrowers can use to estimate unsecured personal loan repayments with a clear repayment calculator view. Compare interest, fees, repayment frequency, and extra repayments to understand total loan cost.
Loan details
Typical unsecured personal loan rates in Australia:6% - 15% depending on credit profile, loan size, and loan term.
Fees (optional)
Estimated comparison-style rate
Comparison rate support coming soon.
Extra repayments (optional)
Repayment (Monthly)
$429.88 per month
Includes:
Total interest
$5,792.68
Total cost
$25,792.68
Includes repayments, ongoing fees, and establishment fee.
Total cost breakdown
Principal: $20,000.00
Interest: $5,792.68
Fees: $0.00
Rate change example
What if your rate increased by 1%?
New repayment: $439.85 per month
Difference: $9.97 per month
This is an example scenario only.
Fees matter
NoteBorrowing capacity impact
InfoLoan term impact
NoteCompare secured vs unsecured borrowing
NoteShare your current inputs and results with a deep link.
Results are estimates only and may differ from lender calculations. This information is general and not financial advice.
Remaining loan balance over time
| Payment # | Period | Payment (P&I) | Fees | Interest | Principal | Extra repayment | Balance |
|---|---|---|---|---|---|---|---|
| 1 | Month 1 | $429.88 | $0.00 | $175.00 | $254.88 | $0.00 | $19,745.12 |
| 2 | Month 2 | $429.88 | $0.00 | $172.77 | $257.11 | $0.00 | $19,488.01 |
| 3 | Month 3 | $429.88 | $0.00 | $170.52 | $259.36 | $0.00 | $19,228.66 |
| 4 | Month 4 | $429.88 | $0.00 | $168.25 | $261.63 | $0.00 | $18,967.03 |
| 5 | Month 5 | $429.88 | $0.00 | $165.96 | $263.92 | $0.00 | $18,703.11 |
| 6 | Month 6 | $429.88 | $0.00 | $163.65 | $266.23 | $0.00 | $18,436.89 |
| 7 | Month 7 | $429.88 | $0.00 | $161.32 | $268.56 | $0.00 | $18,168.33 |
| 8 | Month 8 | $429.88 | $0.00 | $158.97 | $270.91 | $0.00 | $17,897.43 |
| 9 | Month 9 | $429.88 | $0.00 | $156.60 | $273.28 | $0.00 | $17,624.15 |
| 10 | Month 10 | $429.88 | $0.00 | $154.21 | $275.67 | $0.00 | $17,348.48 |
| 11 | Month 11 | $429.88 | $0.00 | $151.80 | $278.08 | $0.00 | $17,070.41 |
| 12 | Month 12 | $429.88 | $0.00 | $149.37 | $280.51 | $0.00 | $16,789.89 |
| 49 | Month 49 | $429.88 | $0.00 | $42.67 | $387.21 | $0.00 | $4,489.54 |
| 50 | Month 50 | $429.88 | $0.00 | $39.28 | $390.59 | $0.00 | $4,098.94 |
| 51 | Month 51 | $429.88 | $0.00 | $35.87 | $394.01 | $0.00 | $3,704.93 |
| 52 | Month 52 | $429.88 | $0.00 | $32.42 | $397.46 | $0.00 | $3,307.47 |
| 53 | Month 53 | $429.88 | $0.00 | $28.94 | $400.94 | $0.00 | $2,906.53 |
| 54 | Month 54 | $429.88 | $0.00 | $25.43 | $404.45 | $0.00 | $2,502.09 |
| 55 | Month 55 | $429.88 | $0.00 | $21.89 | $407.98 | $0.00 | $2,094.10 |
| 56 | Month 56 | $429.88 | $0.00 | $18.32 | $411.55 | $0.00 | $1,682.55 |
| 57 | Month 57 | $429.88 | $0.00 | $14.72 | $415.16 | $0.00 | $1,267.39 |
| 58 | Month 58 | $429.88 | $0.00 | $11.09 | $418.79 | $0.00 | $848.60 |
| 59 | Month 59 | $429.88 | $0.00 | $7.43 | $422.45 | $0.00 | $426.15 |
| 60 | Month 60 | $429.88 | $0.00 | $3.73 | $426.15 | $0.00 | $0.00 |
| Payment # | Period | Payment (P&I) | Fees | Interest | Principal | Extra repayment | Balance |
|---|---|---|---|---|---|---|---|
| 1 | Month 1 | $429.88 | $0.00 | $175.00 | $254.88 | $0.00 | $19,745.12 |
| 2 | Month 2 | $429.88 | $0.00 | $172.77 | $257.11 | $0.00 | $19,488.01 |
| 3 | Month 3 | $429.88 | $0.00 | $170.52 | $259.36 | $0.00 | $19,228.66 |
| 4 | Month 4 | $429.88 | $0.00 | $168.25 | $261.63 | $0.00 | $18,967.03 |
| 5 | Month 5 | $429.88 | $0.00 | $165.96 | $263.92 | $0.00 | $18,703.11 |
| 6 | Month 6 | $429.88 | $0.00 | $163.65 | $266.23 | $0.00 | $18,436.89 |
| 7 | Month 7 | $429.88 | $0.00 | $161.32 | $268.56 | $0.00 | $18,168.33 |
| 8 | Month 8 | $429.88 | $0.00 | $158.97 | $270.91 | $0.00 | $17,897.43 |
| 9 | Month 9 | $429.88 | $0.00 | $156.60 | $273.28 | $0.00 | $17,624.15 |
| 10 | Month 10 | $429.88 | $0.00 | $154.21 | $275.67 | $0.00 | $17,348.48 |
| 11 | Month 11 | $429.88 | $0.00 | $151.80 | $278.08 | $0.00 | $17,070.41 |
| 12 | Month 12 | $429.88 | $0.00 | $149.37 | $280.51 | $0.00 | $16,789.89 |
| 13 | Month 13 | $429.88 | $0.00 | $146.91 | $282.97 | $0.00 | $16,506.93 |
| 14 | Month 14 | $429.88 | $0.00 | $144.44 | $285.44 | $0.00 | $16,221.48 |
| 15 | Month 15 | $429.88 | $0.00 | $141.94 | $287.94 | $0.00 | $15,933.54 |
| 16 | Month 16 | $429.88 | $0.00 | $139.42 | $290.46 | $0.00 | $15,643.08 |
| 17 | Month 17 | $429.88 | $0.00 | $136.88 | $293.00 | $0.00 | $15,350.08 |
| 18 | Month 18 | $429.88 | $0.00 | $134.31 | $295.56 | $0.00 | $15,054.52 |
| 19 | Month 19 | $429.88 | $0.00 | $131.73 | $298.15 | $0.00 | $14,756.37 |
| 20 | Month 20 | $429.88 | $0.00 | $129.12 | $300.76 | $0.00 | $14,455.61 |
| 21 | Month 21 | $429.88 | $0.00 | $126.49 | $303.39 | $0.00 | $14,152.22 |
| 22 | Month 22 | $429.88 | $0.00 | $123.83 | $306.05 | $0.00 | $13,846.17 |
| 23 | Month 23 | $429.88 | $0.00 | $121.15 | $308.72 | $0.00 | $13,537.45 |
| 24 | Month 24 | $429.88 | $0.00 | $118.45 | $311.43 | $0.00 | $13,226.02 |
| 25 | Month 25 | $429.88 | $0.00 | $115.73 | $314.15 | $0.00 | $12,911.87 |
| 26 | Month 26 | $429.88 | $0.00 | $112.98 | $316.90 | $0.00 | $12,594.97 |
| 27 | Month 27 | $429.88 | $0.00 | $110.21 | $319.67 | $0.00 | $12,275.30 |
| 28 | Month 28 | $429.88 | $0.00 | $107.41 | $322.47 | $0.00 | $11,952.83 |
| 29 | Month 29 | $429.88 | $0.00 | $104.59 | $325.29 | $0.00 | $11,627.54 |
| 30 | Month 30 | $429.88 | $0.00 | $101.74 | $328.14 | $0.00 | $11,299.40 |
| 31 | Month 31 | $429.88 | $0.00 | $98.87 | $331.01 | $0.00 | $10,968.39 |
| 32 | Month 32 | $429.88 | $0.00 | $95.97 | $333.90 | $0.00 | $10,634.49 |
| 33 | Month 33 | $429.88 | $0.00 | $93.05 | $336.83 | $0.00 | $10,297.66 |
| 34 | Month 34 | $429.88 | $0.00 | $90.10 | $339.77 | $0.00 | $9,957.89 |
| 35 | Month 35 | $429.88 | $0.00 | $87.13 | $342.75 | $0.00 | $9,615.14 |
| 36 | Month 36 | $429.88 | $0.00 | $84.13 | $345.75 | $0.00 | $9,269.40 |
| 37 | Month 37 | $429.88 | $0.00 | $81.11 | $348.77 | $0.00 | $8,920.63 |
| 38 | Month 38 | $429.88 | $0.00 | $78.06 | $351.82 | $0.00 | $8,568.81 |
| 39 | Month 39 | $429.88 | $0.00 | $74.98 | $354.90 | $0.00 | $8,213.90 |
| 40 | Month 40 | $429.88 | $0.00 | $71.87 | $358.01 | $0.00 | $7,855.90 |
| 41 | Month 41 | $429.88 | $0.00 | $68.74 | $361.14 | $0.00 | $7,494.76 |
| 42 | Month 42 | $429.88 | $0.00 | $65.58 | $364.30 | $0.00 | $7,130.46 |
| 43 | Month 43 | $429.88 | $0.00 | $62.39 | $367.49 | $0.00 | $6,762.97 |
| 44 | Month 44 | $429.88 | $0.00 | $59.18 | $370.70 | $0.00 | $6,392.27 |
| 45 | Month 45 | $429.88 | $0.00 | $55.93 | $373.95 | $0.00 | $6,018.33 |
| 46 | Month 46 | $429.88 | $0.00 | $52.66 | $377.22 | $0.00 | $5,641.11 |
| 47 | Month 47 | $429.88 | $0.00 | $49.36 | $380.52 | $0.00 | $5,260.59 |
| 48 | Month 48 | $429.88 | $0.00 | $46.03 | $383.85 | $0.00 | $4,876.74 |
| 49 | Month 49 | $429.88 | $0.00 | $42.67 | $387.21 | $0.00 | $4,489.54 |
| 50 | Month 50 | $429.88 | $0.00 | $39.28 | $390.59 | $0.00 | $4,098.94 |
| 51 | Month 51 | $429.88 | $0.00 | $35.87 | $394.01 | $0.00 | $3,704.93 |
| 52 | Month 52 | $429.88 | $0.00 | $32.42 | $397.46 | $0.00 | $3,307.47 |
| 53 | Month 53 | $429.88 | $0.00 | $28.94 | $400.94 | $0.00 | $2,906.53 |
| 54 | Month 54 | $429.88 | $0.00 | $25.43 | $404.45 | $0.00 | $2,502.09 |
| 55 | Month 55 | $429.88 | $0.00 | $21.89 | $407.98 | $0.00 | $2,094.10 |
| 56 | Month 56 | $429.88 | $0.00 | $18.32 | $411.55 | $0.00 | $1,682.55 |
| 57 | Month 57 | $429.88 | $0.00 | $14.72 | $415.16 | $0.00 | $1,267.39 |
| 58 | Month 58 | $429.88 | $0.00 | $11.09 | $418.79 | $0.00 | $848.60 |
| 59 | Month 59 | $429.88 | $0.00 | $7.43 | $422.45 | $0.00 | $426.15 |
| 60 | Month 60 | $429.88 | $0.00 | $3.73 | $426.15 | $0.00 | $0.00 |
Continue your scenario across LoanMetric calculators.
See how this repayment affects serviceability.
Compare with secured car finance scenarios.
Compare with mortgage repayments and term differences.
A personal loan is usually an unsecured loan repaid over a fixed term. You borrow a set amount, make regular repayments, and pay interest and any fees under your lender terms.
LoanMetric estimates personal loan repayments with standard amortisation maths. Inputs are processed client-side and displayed with currency rounding to 2 decimals.
Some personal loans may limit extra repayments or apply early repayment / early payout fees. Check lender terms.
Related terms: comparison rate, principal and interest, cumulative interest, and LVR.