Loan calculators for Australia
Car loans, personal loans and paying off debt.
- 7 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
- Car Loan Your weekly, fortnightly or monthly repayments and total interest.
- Novated Lease What a novated lease saves against a car loan, for an electric or petrol car.
- Personal Loan Your weekly, fortnightly or monthly repayments and total interest.
- Credit Card Repayment When you’ll be debt-free, and what minimum repayments cost.
- HECS-HELP Repayment Your compulsory HELP repayment, and how long until your debt is gone.
- Debt Payoff Clear several debts faster: snowball or avalanche, and your debt-free date.
- Car Affordability The most a car can cost for the monthly payment that fits your budget.
Guides
All Australia guides- Loans & credit HECS-HELP repayments explained (2026–27) How HECS-HELP repayments work in 2026–27, the new repayment thresholds, how much you'll repay on your income, indexation and the 20% debt cut, in plain English. Read the guide
- Loans & credit How to build a credit history from scratch in Australia New to credit? What builds a credit history in Australia under comprehensive credit reporting, how long things stay on your report and what to avoid. Read the guide
- Loans & credit Buy now, pay later in Australia: costs, credit and the rules How buy now, pay later works in Australia, what a missed payment costs, how it shows on your credit report, and the credit rules since June 2025. Read the guide
- Loans & credit Australian credit scores: what counts and how to raise yours How credit scores work in Australia, the two credit bureaus, what comprehensive credit reporting means, how to check your score free and how to improve it. Read the guide
- Loans & credit Help with debt in Australia: free advice and formal options Where to get free, confidential help with debt in Australia, how to ask lenders for hardship help, and the formal debt solutions and their limits. Read the guide
- Loans & credit How to pay off debt in Australia: avalanche or snowball? How to pay off several debts in Australia: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide