Useful before precise
Our tools help Australians estimate home-loan repayments, compare loan structures, stress-test rate changes, and understand the long-term effect of offsets and extra repayments.
About
Who publishes Mortgage Repayment Calculator, what it provides, and how its work is maintained.
Last updated: 28 July 2026
Who publishes this website
Mortgage Repayment Calculator is published and maintained by MoneyToolkit, an independent Australian publisher of practical financial calculators and plain-English guides.
MoneyToolkit is responsible for the calculators, editorial content, updates, and corrections on this site. We use a publisher identity so the work is accountable without requiring an individual contributor to make their personal identity public.
We are not affiliated with a bank, lender, mortgage broker, property agency, or comparison service. Advertising does not influence calculator results or editorial conclusions.
What we build
The site includes the main repayment calculator plus borrowing-power, refinance, offset, extra-repayment, split-loan, interest-only, and stamp-duty planning tools.
They are designed for borrowers and home buyers doing early budgeting or checking questions to raise with a licensed lender, broker, or adviser.
Sources you can inspect
We prioritise lender-published rates for market context, APRA and RBA publications, ASIC Moneysmart guidance, legislation, and official consumer information.
Reviewed when inputs change
We prioritise review when displayed market rates, lending guidance, relevant regulation, source publications, or calculator logic changes.
Private by design
Calculator inputs are processed in your browser. You can use the tools without creating an account or sending the values you enter to us.
How to assess our work
Read the calculator methodology for the model, assumptions, and sources, and the editorial policy for our sourcing, review, and independence standards. If something appears wrong or out of date, the corrections policy explains how to report it.
Important limitation
Actual loan approval, rates, fees, repayment timing, interest calculations, and product features vary by lender and borrower. Results are planning estimates, not a quote, credit decision, or product recommendation.