Watch your home loan shrink over time.
See exactly how each repayment is split between interest and principal, how your balance falls year by year, and what even a modest extra repayment could do to the life of your loan.
Every repayment, unpacked
Build your amortisation schedule
Enter the loan details and the schedule updates instantly. Add an extra repayment to see the difference against the original loan.
Your original schedule is shown as the grey line. Extra repayments are shown in pink.
Make the schedule human
Your loan timeline
The interesting bit is not row 183. It is seeing when the interest starts losing the fight.
What the amortisation schedule shows
Every repayment contains two pieces: interest for using the lender's money, and principal that reduces what you owe.
- Early repayments usually contain more interest and less principal.
- As the balance falls, the interest charged each month generally falls too.
- More of each standard repayment then starts attacking the principal.
- Extra repayments reduce the balance earlier, which can reduce future interest.
- The schedule assumes the entered rate stays unchanged for the calculation period.
The full numbers
Your amortisation table
Start with the yearly summary, or open the full month-by-month schedule when you want the finance-nerd version.
| Year | Principal paid | Interest paid | Total paid | Ending balance |
|---|
| Payment | Date | Payment | Principal | Interest | Ending balance |
|---|
The repayment is only half the story.
A broker can help you test whether a different rate, loan structure, offset account or repayment strategy could change the shape of the whole loan — not just next month's repayment.
General information only. This calculator provides estimates using the figures you enter and a simplified monthly principal-and-interest model. Actual lender repayments, daily interest calculations, fees, repayment timing, rate changes, offsets, redraws and product rules may produce different results. The output is not a quote, credit assessment, recommendation or guarantee of savings.