Mortgage Calculator

Work out your deposit and repayments.

Principal & Interest (P&I) only

Why this calculator is worth using

  • Buying or already own it: work from a purchase price and deposit, or from your property’s current value and what you still owe.
  • Deposit two ways: set it as a percentage with quick-select chips, or as a specific dollar amount, and see both figures live at once.
  • Flexible term: enter years, or your actual loan expiry date, and it works out the term for you.
  • Full breakdown: deposit or equity, loan required, LVR, repayment, total interest, and total repaid, at weekly, fortnightly, or monthly frequency.
  • Time and date clarity: shows both the time remaining and the actual calendar date your loan finishes.
  • Pay it off faster: add an extra repayment amount and instantly see how much sooner you’d be debt-free, how much interest you’d save, and your new payoff date.
  • Email yourself the report: get a full summary sent to your own email so you can revisit your numbers anytime.

1 · Buying, or already own it?

2 · Purchase price

$

3 · Your deposit

By percentage

20% = $0

By dollar amount

$
$120,000 = 0%

4 · Loan details

5 · Calculate

Deposit

$0

Loan required

$0

LVR

0%

Your repayment

$0

Total interest

$0

Total repaid

$0
Time remaining on this loan:
Loan expiry date:

Pay it off faster

Add a little extra to each repayment and see how much sooner you could be debt-free.

$
With your extra repayment

Debt-free

–

Interest saved

$0

New loan term remaining

–

New debt-free date

–

Email yourself this report

Pop in your name and email and we’ll open a message with these numbers ready to send.

This calculator gives estimates only, based on Principal & Interest (P&I) repayments at a fixed interest rate for the full term, using the figures you enter. It does not account for lender fees, break costs, low-equity margins, insurance, rate changes, or your personal circumstances, and it is not a loan offer, pre-approval, or guarantee of lending. Actual repayments and terms will vary by lender. This is general information only, not personalised financial advice. For guidance specific to your situation, please talk to Empixo or a licensed financial adviser.