Loan Repayment Schedule
Enter your loan amount, annual interest rate and term. Our engine calculates your exact periodic repayment, then builds a period-by-period amortisation schedule showing how much of each repayment goes to principal versus interest and the balance remaining after every payment — plus the total interest over the life of the loan. This is not a blank template: you put in your real numbers and get a calculated, checked schedule with the arithmetic shown, and a plain-English read on what it means. Australian figures in AUD.
A repayment figure on its own tells you very little. It does not say how much of that payment is clearing the debt, how much is the cost of borrowing, or what the loan will have cost you by the time the balance reaches zero. The Loan Repayment Schedule is A$19 one-off and answers those questions from your own numbers: the amount you borrowed, your annual rate, the term, and how often you repay. Turnaround is about 5 minutes.
From those figures the engine works out your exact periodic repayment, then builds the schedule one period at a time — principal, interest and remaining balance for every payment through to the end of the term. The total repaid and the total interest sit alongside it. The arithmetic is shown rather than assumed, so any line in the table traces back to the figures you supplied.
It arrives as a report on your order page and as a Markdown download you can print to PDF or paste into Word. Two free AI revisions come with it, which matters more than it sounds: a rate typed as 6.4 when you meant 5.4 becomes a rebuild rather than a second purchase.
Why the early repayments barely move the balance
Interest is charged on what you still owe, so it is at its heaviest right at the start. Early repayments are mostly interest with a thin slice of principal underneath, and that ratio turns over slowly as the balance falls. The schedule shows the shift line by line, including the period where the principal share finally overtakes the interest share, and what your balance will be at any point you care to look.
The table also carries a checked opening and closing balance that ties out to zero. Run the principal column through to the final period and it lands exactly where it should, which is the difference between a schedule that is internally consistent and one that merely looks right.
Reading it as a baseline, not a forecast
Every figure comes from what you enter. There is no connection to your lender and no retrieval of your loan file, so establishment fees, ongoing account fees, an offset balance or a redraw will not appear unless your own numbers already account for them. On a variable rate, read the output as the path your repayments take if the rate holds — a reference point, not a prediction of what your lender will do. All figures are in AUD.
This is a calculated document to help you understand a loan you already have, not personal financial advice. If you are weighing a refinance, a restructure, or anything with tax consequences, take the schedule to a broker, accountant or licensed adviser and have it read against your full position.
Plain English after the arithmetic
An amortisation table is precise and, by itself, fairly silent. The report closes with commentary in ordinary language on what your particular numbers are saying, plus three practical moves aimed at cutting the interest you pay. With the full schedule sitting right there, each suggestion can be tested against your own balance curve rather than accepted on faith.
What you get
- Your exact periodic repayment, worked out and shown
- Full amortisation schedule: principal, interest and balance for every period
- Total interest and total repaid over the life of the loan
- A checked opening and closing balance that ties out to zero
- Plain-English commentary plus 3 practical moves to pay less interest
- 2 free AI revisions included
Turnaround: ~5 minutes. Delivery: On-page report + Markdown download (print to PDF / paste to Word).
Frequently asked questions
Does this only work for mortgages?
No. Any standard principal-and-interest loan you can describe with an amount, an annual rate, a term and a repayment frequency will run — home, car and personal loans all fit that shape. The build assumes a schedule that amortises down to a zero closing balance, so an interest-only period, or a structure that does not fully repay within the term, sits outside it.
I put extra money into an offset account each month. Will that show?
No. The schedule reflects the loan exactly as you entered it, so extra repayments, offset balances and redraws are not modelled as separate columns or scenarios. They may come up in the plain-English commentary and the three interest-saving moves, but they do not change the table.
I typed the rate wrong. And what happens when my rate moves next year?
The first is easy — two free AI revisions are included, so a corrected rate, term or frequency can be rebuilt without paying again. A rate change later in the loan is a different situation: the schedule assumes the rate you gave holds for the full term, so a materially different rate means a fresh set of numbers rather than an amendment.
Do I get a spreadsheet I can play with?
No. What you receive is an on-page report plus a Markdown download built to print to PDF or paste into Word — a document rather than a live .xlsx with formulas behind it. You can re-key the figures into a spreadsheet yourself, but there is no working model in the delivery.
I have a home loan and two credit cards. Which tool should I be buying?
If the question is which debt to attack first, that is the Debt Payoff Plan — it handles several debts at once and compares snowball against avalanche. This one goes deep on a single loan instead: the exact repayment, every period of the amortisation, and what the whole thing costs in interest. Plenty of people want both, for different reasons.