See what a rate change means for your repayments, and your strategy.
A rate change is more than a number on your statement. It's a moment to make a deliberate decision about your debt. This calculator shows you the immediate impact on your repayments, then helps you think through what to do with it, whether that's freeing up cashflow, paying your home loan down faster, or rebalancing across deductible and non-deductible debt.
Your new monthly repayment
Enter your loan details and the rate change your bank has announced (positive for a rise, negative for a cut).
Not sure? Check your most recent loan statement. If you took out a 30 year loan 5 years ago, enter 25.
Slide left for a rate cut, right for a rate rise.
A rate change of -0.25% changes your monthly repayment from $0 to $0.
What this rate change really means for your strategy
Tell us a bit more about your loan and we'll show you the strategic impact.
What this means for you
Adjust the inputs to see the strategy.