Home loan, refinance, offset and car loan calculators
Work out the numbers before you talk to us
Use these free calculators to estimate home loan repayments, see whether refinancing could leave you better off after switching costs, check how an offset account could reduce your interest, and work out car or equipment loan repayments with or without a balloon. Enter your own interest rate: we don't pre-fill one. Results are estimates only, not a quote, an offer of credit or credit advice.
Calculators
Last updated 14 November 2026
Using them
How to use these calculators
- Choose a calculator: home loan repayments, refinance, offset account, or car and equipment.
- Check the loan amount and term. The examples are there to get you started; change them to your own figures.
- Enter the interest rate you've been offered or are paying. No result shows until you do.
- Choose weekly, fortnightly or monthly repayments. Weekly and fortnightly figures use the annual rate divided by 52 or 26, over 52 or 26 repayments a year.
- Read the notes under the result, then talk to your mortgage broker or our team before you decide.
The home loan, refinance and offset calculators are from 360 MMS, a mortgage manager and non-bank lender. The car and equipment calculator is from 360 Asset Finance, which is a broker, not a lender: it arranges finance from a panel of lenders. Every calculator assumes the rate you enter stays the same for the whole term, which it may not.
FAQs
Calculator FAQs
Why do I need to enter my own interest rate?
Rates depend on the lender, the loan and your circumstances, so we don't pre-fill one. Enter the rate you've been offered or are paying now. 360 MMS doesn't publish interest rates on this website.
How are weekly and fortnightly repayments worked out?
We divide the annual interest rate by 52 for weekly or 26 for fortnightly repayments, and work out the repayment over 52 or 26 repayments a year for the full term. We don't simply divide the monthly repayment. Some lenders set fortnightly repayments at half the monthly repayment, which pays the loan off sooner, so your lender's figure may differ.
What's the difference between principal and interest and interest-only repayments?
Principal and interest repayments pay off the loan as well as the interest. Interest-only repayments cover only the interest for a set period, so the loan balance doesn't go down. Repayments rise when the interest-only period ends, and you pay more over the life of the loan.
How does a balloon payment change a car or equipment loan?
A balloon lowers your regular repayments, but you pay it as a lump sum at the end of the loan, and you usually pay more interest overall because interest is charged on the balloon amount for the whole term. Whether a balloon is available, and how large, depends on the lender and the asset.
How can I tell whether refinancing could leave me better off?
Compare the total interest on your current loan with the new loan, then take away the costs of switching. A lower repayment isn't the whole story: a longer term can lower repayments but mean paying more interest overall. A mortgage broker can check whether a switch leaves you better off, including the costs of leaving your current lender.
What costs should I include in the refinance calculator?
Include any costs to leave your current lender, such as discharge or break costs, and any costs to set up the new loan, such as application or establishment costs. Ask your current lender and your broker for the actual amounts. The calculator treats these costs as paid upfront and excludes ongoing fees.
How does an offset account reduce interest?
An offset account is a transaction account linked to your home loan. Interest is charged on the loan balance minus the offset balance, so money sitting in the offset reduces the amount you pay interest on. If your repayment stays the same, more of each repayment goes towards the loan, which could pay it off sooner. Offset accounts are available on some loans; not every loan has one, and some may charge a fee.
Keep reading
Related guides
- Refinancing with a mortgage manager
- What a cash rate decision means for your home loan
- How much deposit do you need?
- Non-bank lender, mortgage manager or bank
- Balloon payments explained
- What is a novated lease?
- Car loan, dealer finance or novated lease?
- Financing a new or used car
Want to talk through your figures?
Our team can explain how our loans and features work, or your mortgage broker can compare options for your situation.
Talk to our teamGeneral information only. These calculators give estimates based on the figures you enter and the assumptions shown. They don't take into account your objectives, financial situation or needs, and they aren't a quote, an offer of credit or credit advice. They exclude fees and charges unless you enter them. Actual repayments depend on the lender, the product and your circumstances. Lending criteria apply. Home loans: Kuone Pty Ltd T/As 360 MMS (ABN 81 621 683 672), Australian Credit Licence 504193. Car and equipment finance: Kuone Consulting Pty Ltd T/As 360 Asset Finance (ABN 75 647 329 002), Australian Credit Licence 566705; 360 Asset Finance is a broker, not a lender. Read the 360 MMS Credit Guide and the 360 Asset Finance and 360 SaaSFin Credit Guide.
The 360 group acknowledges the Wurundjeri Woi-wurrung people of the Kulin Nation, the Traditional Custodians of the land on which our office stands, and pays respect to Elders past and present. We extend that respect to all Aboriginal and Torres Strait Islander peoples.
360 MMS — Kuone Pty Ltd · ABN 81 621 683 672 · Australian Credit Licence 504193
360 Asset Finance & 360 SaaSFin — Kuone Consulting Pty Ltd · ABN 75 647 329 002 · Australian Credit Licence 566705
360 Asset Finance Limited (NZ) — NZBN 9429053207296
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