Free calculator
Pay a little extra. Shave years off.
Move the slider. See how many years you knock off and how much interest you save. The fortnightly-vs-monthly shortcut is baked in.
Your loan
Amount
$
Rate
%
Years
Pay extra
$50 / fortnightly
With your extra
Years off
2y 3mo
Interest saved
$62,789
Paid off by Apr 2054Base loan pays off July 2056
Standard P&I amortisation simulated month-by-month · ASIC MoneySmart guidance · not financial advice
How this calculator is built
Built by an Australian Chartered Accountant— the same engine the paid NestWise dashboard runs. Every rate table is verified against the source below every 1 July, 20 March, and 20 September and covered by a 200+ scenario regression suite.