Home loan repayments
Split Loan Calculator
Split your loan between a fixed and a variable rate and see each repayment, before and after the fixed period ends.
$
years
Repayment frequency
Fixed portion
%
$300,000 fixed, $300,000 variable.
% p.a.
years
Variable portion
% p.a.
Total monthly repayment, first 3 years
$3,712.25
Fixed $1,816.05 plus variable $1,896.20.
- Total monthly repayment after the fixed period
- $3,787.07
- Total interest on the split loan
- $760,652
- Total interest if fully variable
- $765,267
Balance of each portion
- Fixed portion
- Variable portion
Show the figures as a tableHide the table
| Year | Fixed portion | Variable portion |
|---|---|---|
| 0 | $300,000 | $300,000 |
| 1 | $296,377 | $296,647 |
| 2 | $292,528 | $293,069 |
| 3 | $288,437 | $289,252 |
| 4 | $284,376 | $285,179 |
| 5 | $280,042 | $280,833 |
| 6 | $275,419 | $276,196 |
| 7 | $270,485 | $271,249 |
| 8 | $265,221 | $265,970 |
| 9 | $259,605 | $260,338 |
| 10 | $253,612 | $254,328 |
| 11 | $247,219 | $247,916 |
| 12 | $240,397 | $241,075 |
| 13 | $233,118 | $233,776 |
| 14 | $225,351 | $225,987 |
| 15 | $217,065 | $217,677 |
| 16 | $208,223 | $208,811 |
| 17 | $198,789 | $199,351 |
| 18 | $188,724 | $189,257 |
| 19 | $177,985 | $178,487 |
| 20 | $166,526 | $166,996 |
| 21 | $154,300 | $154,735 |
| 22 | $141,255 | $141,653 |
| 23 | $127,336 | $127,695 |
| 24 | $112,485 | $112,803 |
| 25 | $96,640 | $96,912 |
| 26 | $79,733 | $79,958 |
| 27 | $61,694 | $61,868 |
| 28 | $42,447 | $42,567 |
| 29 | $21,911 | $21,973 |
| 30 | $0 | $0 |
How this calculator works
- When the fixed period ends, the fixed portion reverts to the variable rate and its repayment is recalculated over the remaining term.
- Both portions run for the full loan term.
- Interest compounds at the repayment frequency. A year is 12 months, 26 fortnights or 52 weeks.
- Rates stay as entered for each period.
Results are general estimates only and are not credit, tax or financial advice. They do not take your objectives, financial situation or needs into account. Check the figures with a licensed professional before making a decision.
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