MyLoanCalculator
Repayment ledger
Plan smarter · pay it off faster
Drag the sliders to set your loan, then compare weekly, fortnightly and monthly repayments, model lump sums, and watch the years melt off your mortgage. No sign-up, no catch.
Set your loan, then watch the monthly figure, total interest and payable update as you drag.
Your monthly repayment
$2,271
Principal & interest, over 360 months
Total interest
$417,616
Total payable
$817,616
Loan principal
$400,000
More frequent payments clear the loan sooner and cut total interest. Compare side by side.
Weekly
$524 /wk
Fortnightly
$1,048 /2wk
Monthly
$2,271 /mo
Toggle between standard monthly and fortnightly split. Because 26 fortnightly payments equals 13 monthly payments, you quietly make one extra payment each year — and save thousands.
Your fortnightly payment
$1,136 /2wk
Half of your $2,271 monthly repayment, every fortnight.
Same cash flow, different rhythm — the extra sneaks straight onto your principal.
New payoff date
2051
Cleared 5.1 years earlier than standard monthly
Interest saved
$83,007
Time saved
5.1 yrs
Standard payoff 2056 · with fortnightly split 2051 · no extra money required
Add an extra payment each year or every second year to knock years off and save on interest.
One $6,000 boost each year, added on top of your regular monthly repayment.
New payoff date
2046
Cleared 10.0 years earlier than standard monthly
Interest saved
$155,644
Extra paid
$120,000
Standard payoff 2056 · with annual boost 2046
Top up every fortnightly or monthly repayment with a voluntary amount and watch the loan melt away faster.
An extra $200 on top of every fortnightly repayment.
New fortnightly repayment
$1,248 /2wk
New payoff date
2047
Cleared 9.3 years earlier than standard monthly
Interest saved
$148,216
Extra contributed
$106,775
Standard payoff 2056 · with extra fortnightly repayments 2047
Download a one-page PDF with every figure on this page — repayments, frequency comparison, lump sums and extra repayments.