Our free online Loan Repayment Calculator can help you estimate the minimum amount of repayments for a specific borrowing term, so you can plan your finance accordingly.
Use our home loan repayment calculator tool to estimate the real cost of a loan or mortgage and determine the payments needed to pay it off. Simply enter information including:
Loan term and amount
Interest rate
Payment frequency
Repayment type (principal and/or interest (P&I), which includes the interest charges for the period plus an amount applied to the amortisation of the principal balance. Alternatively, you can see the calculation for repaying interest only.
Choose weekly, fortnightly or monthly payment frequency, and in a matter of seconds, you will see the total cost of the interest payable and the estimated repayment amount.
Please note that these calculations are estimates based on your entered data and should not be solely relied upon.
You are always welcome to contact us for more precise lending advice.
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36 if 1 not applicable (Q 5, 8, 9)
34 if 2 not applicable (Q 5, 8, 9)
32 if 3 not applicable (Q 5, 8, 9)
26-38 if all questions answered
24-36 if 1 not applicable
23-34 if 2 not applicable
21-32 if 3 not applicable
You’ve clearly made solid progress in building a strong financial foundation. You’re either actively investing, managing your debt, or planning for the future with a great level of intention.
Still, there’s always room for refinement — whether that’s maximising tax efficiency, reviewing your investment strategy, or preparing for big life events like retirement, children’s education or legacy planning.
13-25.5 if all questions answered
12-23.5 if 1 not applicable
11-22.5 if 2 not applicable
10-20.5 if 3 not applicable
You’ve already laid some important groundwork — maybe you’ve started investing, built up super, or set financial goals. That’s fantastic progress.
With a few adjustments, clearer strategies, and some expert support, you could move from financial confidence to real financial empowerment.
0-12.5 if all questions answered
0-11.5 if 1 not applicable
0-10.5 if 2 not applicable
0-9.5 if 3 not applicable
You’re not alone — many Australians feel unsure about where to start. If you’re feeling disorganised, unsure, or worried about the future, now’s the time to take control.
Working with a financial adviser isn’t just for the wealthy — it’s for anyone who wants clarity, confidence, and a roadmap forward.
No matter your score, ActOn Wealth can support you with clear, strategic advice to help you take control of your financial future. Whether it’s optimising your super, reducing tax, planning for retirement or aligning investments with your values – we’re here to help.