Personal loan calculators
Work out the repayments on a personal loan, compare offers, and see whether consolidating, paying it off early or borrowing for a wedding, a trip or a renovation adds up.
16 calculators, free and with no sign-up. Every result shows its working.
What would the repayments be?
The personal loan calculator's working. Put in the rate from the offer you're looking at.
- Borrowed $25,000
- Interest $6,503
Everything you'd repay: $31,503. Fees aren't included.
Where most people start
Personal Loan Calculator
Repayments and total interest, weekly, fortnightly or monthly
Loan Comparison Calculator
Loan offers side by side, fees included, to see which costs less
Debt Consolidation Calculator
Whether rolling your debts into one personal loan costs less
Affordability Calculator
How big a loan your income and expenses leave room for
All 16 calculators, by what they answer
What will the loan cost?
- Personal Loan CalculatorRepayments and total interest, weekly, fortnightly or monthly
- Loan Comparison CalculatorLoan offers side by side, fees included, to see which costs less
- Affordability CalculatorHow big a loan your income and expenses leave room for
- Secured vs Unsecured Loan CalculatorWhether putting up security for a lower rate saves you money
- Guarantor Loan CalculatorWhat a guarantor saves you, and what they'd be signing up for
- Personal Loan vs Credit Card CalculatorThe same amount borrowed on a personal loan and on a credit card
Borrowing for something specific
- Wedding Loan PlannerA wedding budget, and what borrowing part of it would cost
- Medical Expense Loan CalculatorPaying for surgery, dental work or other health costs with a loan
- Travel Loan PlannerBorrowing for a trip against saving up for it first
- Home Renovation Loan CalculatorA personal loan for renovations, without touching your mortgage
Clearing debt sooner
- Early Payout CalculatorWhat paying the loan off early saves in interest
- Debt Consolidation CalculatorWhether rolling your debts into one personal loan costs less
- Debt Payoff OptimizerSnowball, avalanche or consolidation: the order and cost of clearing several debts
- Loan Top-Up CalculatorTopping up your loan against taking out a second one
Every lender's lowest personal loan rate today
Read from each institution on 7 November 2026The figures in full
As of 7 November 2026, the lowest personal loan rate is 5.80%, from Plenti Personal Loan, while the typical best across 68 institutions is 7.96%.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- What affects my personal loan interest rate?
- Lenders may look at your credit score, income, expenses and savings when they set your rate, so the rate you're offered can differ from the advertised one. Whether the loan is secured or unsecured, and fixed or variable, also matters. Open the Personal Loan Calculator
- What is a comparison rate?
- The comparison rate includes both the interest rate and most fees associated with the loan, expressed as a single percentage. It gives you a more accurate picture of the true cost. In Australia, lenders must display comparison rates alongside advertised rates. Open the Loan Comparison Calculator
- Is it worth paying off my personal loan early?
- Usually, if the loan has no early repayment fee or a small one: every dollar paid early saves interest at the loan's rate. Keep an emergency buffer first, and pay off higher-rate debts such as credit cards before a personal loan. Open the Early Payout Calculator
- When is debt consolidation a good idea?
- Consolidation makes sense when: 1) The new loan rate is lower than your current average rate, 2) You're struggling to manage multiple payments, 3) You commit to not taking on new debt. It's not a good idea if you'll just run up credit cards again. Open the Debt Consolidation Calculator