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Debt calculator

This calculator shows you how long it will take you to pay off your credit card, hire purchase, car loan and other loan debt, and the total amount of interest you will pay.

Credit Card 1
$

The current balance on your credit card statement.

Only borrow what you can afford to pay back each month.

Interest rate
%

The current interest rate your credit card provider charges on any unpaid amount.

If you have more than one credit card, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

 
$

The amount you pay each month.

The more you pay the quicker you'll get out of debt and the less interest you will pay.

Total you will pay

The amount you have borrowed plus any interest charged.

$

 
Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Credit Card 2
$

The current balance on your credit card statement.

Only borrow what you can afford to pay back each month.

Interest rate
%

The current interest rate your credit card provider charges on any unpaid amount.

If you have more than one credit card, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

 
$

The amount you pay each month.

The more you pay the quicker you'll get out of debt and the less interest you will pay.

Total you will pay

The amount you have borrowed plus any interest charged.

$

 
Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Credit Card 3
$

The current balance on your credit card statement.

Only borrow what you can afford to pay back each month.

Interest rate
%

The current interest rate your credit card provider charges on any unpaid amount.

If you have more than one credit card, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

 
$

The amount you pay each month.

The more you pay the quicker you'll get out of debt and the less interest you will pay.

Total you will pay

The amount you have borrowed plus any interest charged.

$

 
Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Hire purchase 1
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your HP agreement. Interest is charged on any unpaid amount.

If you have several HPs, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some HP agreements offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some HP loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some HP agreements charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

The length of time you'll have to repay the amount borrowed.

If an HP agreement is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

HP repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some HP agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Hire purchase 2
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your HP agreement. Interest is charged on any unpaid amount.

If you have several HPs, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some HP agreements offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some HP loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some HP agreements charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

The length of time you'll have to repay the amount borrowed.

If an HP agreement is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

HP repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some HP agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Hire purchase 3
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your HP agreement. Interest is charged on any unpaid amount.

If you have several HPs, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some HP agreements offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some HP loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some HP agreements charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

The length of time you'll have to repay the amount borrowed.

If an HP agreement is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

HP repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some HP agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Car loan 1
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your car loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some car loans offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some car loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some car loans charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

Some car loans offer a period of time when you don't have to make any repayments.

Check whether interest is still added during any deferred payment period.

The length of time you'll have to repay the amount borrowed.

If a car loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Car loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some car loans may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Car loan 2
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your car loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some car loans offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some car loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some car loans charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

Some car loans offer a period of time when you don't have to make any repayments.

Check whether interest is still added during any deferred payment period.

The length of time you'll have to repay the amount borrowed.

If a car loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Car loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some car loans may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Car loan 3
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your car loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

Some car loans offer a period of time where you won't be charged any interest.

Try to repay the full amount you owe within the interest-free period.

$

Some car loans charge start-up fees.

Check the terms and conditions of the HP agreement before you sign. Interest will be added to any fees.

$

Some car loans charge other fees.

Check the terms and conditions of the loan agreement before you sign. Interest will be added to any fees.

Some car loans offer a period of time when you don't have to make any repayments.

Check whether interest is still added during any deferred payment period.

The length of time you'll have to repay the amount borrowed.

If a car loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Car loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some car loans may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Personal loan 1
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Personal loan 2
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Personal loan 3
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Other loan 1
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Other loan 2
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--

Other loan 3
$

The total amount borrowed.

Only borrow what you can afford to pay back each month.

Interest rate
%

The interest rate stated in your loan agreement. Interest is added to any outstanding amount.

If you have several loans, pay off the one with the highest interest rate first.

You can find current interest rates from lenders eg. banks learn moreabout interest rates (opens in a new window)

The length of time you'll have to repay the amount borrowed.

If a loan is your only option, choose the shortest repayment term so you pay less interest.

How often you make your repayments.

Loan repayments are usually made monthly.

Minimum
repayment
amount

The lowest amount you'll need to repay regularly, including interest.

If your loan agreement allows it, pay off more than the minimum to get out of debt quicker and pay less interest.

$

fortnightly

Total you will pay

$--

The amount you have borrowed plus any interest charged.

Including interest of

$--

Time to repay

-- months

Age repaid by

--

 

Want to
save money?

$

Move the slider to see how an increase in repayments can reduce the amount you'll pay, and clear your debt faster.

Some loan agreements may not allow you to change your repayment term - so check the terms and conditions carefully.

Saves you

$89

Total you will pay

$--

Including interest of

$--

Time to repay

-- months

Age repaid by

--