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Personal & Car Loan Calculator

Personal & Car Loan Calculator

Calculate repayments, total interest cost, and see if the loan fits your budget. Compare loan types including novated leases and balloon payments.

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Loan details

Loan amount
$
Annual interest rate
%
Loan term
Repayment frequency
Establishment fee
$
Monthly fee
$
Balloon / residual payment (car/novated)
$
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Affordability check

Monthly take-home pay
$
Other monthly debt repayments
$
Debt-to-income ratio
0%20% (good)36% (limit)50%+
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Repayment schedule

MonthRepaymentInterestPrincipalBalance
Your repayment
$832
per month · 3 year personal loan
Total interest
—
Total cost
—
Comparison rate
—
incl. fees
Interest as % of loan
—
cost of borrowing
Effective daily rate
—
interest per day
Payoff date
—
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Cost breakdown

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Rate comparison

How your rate compares to typical Australian lenders (personal loan, March 2025):

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General information only — not financial advice. Loan repayment calculations are estimates based on inputs you provide. Actual repayments may differ due to lender fees, rate changes, or your credit assessment. Australian Life Costs does not hold an AFSL and cannot provide personal financial advice. Comparison rates shown are indicative only and do not represent offers. Before taking out any loan, compare products via ASIC MoneySmart and consider speaking with a licensed finance broker.
Last updated: July 2025 Sources: ATO · RBA Lending Rates