Nest Invest AU

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Home Loan Repayment Calculator

Estimate repayments and compare the effect of extra payments or an offset on a principal and interest home loan.

PLAN WITH PERSPECTIVE

Compare your home loan scenarios

See how repayments, money in your offset and the timing of your spending could change your loan journey.

Move over the chart, tap a point or use the timeline below for exact values.

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Calculations stay in this page. Your figures are shared only if you choose to include them with an enquiry.

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YOUR CALCULATOR RESULT

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Assumptions and methodology

This is a constant-rate scenario estimate, not a lender quote. Interest uses actual calendar days and a fixed 365-day denominator. Repayments are solved using the same dated interest factors as the schedule, so the baseline finishes by term end. Weekly and fortnightly schedules may end with a shorter period. Cashflows take effect after the day’s interest. Card expenses use a simplified fixed delay and assume full settlement without card interest; actual statement cycles and eligibility differ. Any offset funding deficit is shown separately. Break costs, refinancing costs, tax and variable rates are excluded.

Read the calculation method · Further reading
View the schedule as a table

General information only. This calculator does not consider your objectives, financial situation or needs and is not financial, credit or tax advice. Results are estimates based on the assumptions shown, not a guarantee or a lender quote. Consider obtaining advice from an appropriately licensed professional before acting.

Understanding your estimate

Do I have to submit my details?

No. You can use the calculator, see your results and download the schedule without signing up. You decide whether to request a consultation.

Are these results a recommendation?

No. The calculator illustrates a scenario using your inputs and the assumptions shown. Actual outcomes can differ. Review the methodology before relying on a figure.

Can I discuss the results?

Yes. Use the consultation button after calculating. You can choose to include your scenario summary with your enquiry.