Easily Work Out Your Loan Repayments

Use our Loan Repayment Calculator to help you decide what amount you want to borrow by calculating monthly, fortnightly or weekly repayments depending on your budget and preference.

My Loan Details
Extra Repayments

Repayment settings have limited the savings options available. An Interest only repayment type usually does not allow any extra repayments to be made.


Enter the amount you would like to borrow.

Loan Term

How many years do you want to take to repay the loan?

Interest Rate

You can increase or decrease the interest rate to understand the affect on your repayments and total interest.

Repayment Frequency

Repayment Type

Extra Repayment Amount

Enter the extra amount you plan to make for every repayment

Repayment Frequency

Offset Account Amount

Enter the amount in the account you wish to use to offset your interest payments.

Lump Sum Amount

Enter the lump sum about you plan to make against the loan.

Lump Sum Year

Enter the year you plan to make the lump sum payment.
  Interest saved  
  Time saved  

Regular Repayment

  / at    pa

Total Interest Payable


Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan or product. Results are based on information you have provided and does not take into account your personal circumstances. Using this calculator does not guarantee you will be eligible for a loan. You will need to satisfy your lender’s lending criteria. This calculator is not intended to be your sole source of information when making a financial decision. It is advised that you consult a professional financial advisor before taking out a loan.

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Pay Off Your Loan Faster

Make an Extra Payment

By adding an extra payment each year, you’ll pay off your loan faster. This can be done by spreading the extra payment out over the entire year. To do this, divide your monthly payment by 12 and add that amount to each monthly payment.

Simplify Your Loans

If you have more than one form of unsecured debt, consolidating them into one loan can potentially reduce your interest and repayment amounts. Compare low interest loans on offer and find one lower than your current debts.

Cut Expenses

Sometimes it’s the little things that can make the most difference. If you’re dedicated to paying off your loan, saving a few dollars every day can really add up and help to cut down your loan faster. Work this into your budget by planning ahead.

Round Up Payments

Rounding up your loan payments to the nearest $50 or $100 each month will help pay off your loan faster. Even if you can only save $5 or $10 more each month, those few extra dollars can quickly add up towards carving time off your loan.

How We Can Help

At Debt Rescue, we’re dedicated to finding the right solution to get you out of debt as fast as possible. We understand there’s a no one-size-fits-all solution to debt and that everyone’s needs are different, which is why we take the time to understand you, your finances, your debts and your situation to recommend the best solution moving forward.

Many Australians struggle financially every year. If you’re having difficulty meeting your loan repayments, we can help consolidate your debt through a personal loan or mortgage refinance to get you back on track. We also specialise in repayment arrangements which combine your debts into one, easy-to-manage payment. Get in touch with our experienced team for a free 30-minute consultation.

"Thank you so much for your help. Debt Rescue is truly helpful and quick with their action."


Our Services

Our professional team understands each person’s circumstances are different, which is why we offer a range of creditor agreement options under the Debt Management Plan. This ensures the outcome achieved for you is suitable and sustainable. A summary of our Debt Management options:

Debt Agreement

A Part 9 Debt Agreement is a legal and binding agreement with your creditors. A Debt Agreement outlines a new payment arrangement which will reduce your debts, pause your interest, reduce your payment amounts and generally last between 3 to 5 years.

Debtstroyer Agreement

A Debtstroyer Agreement (Informal Agreement) aims to reduce repayments and pause or reduce interest on your debts. It is a private arrangement directly between you and your creditors to ensure your debts are manageable based on your budget.

Debt Settlement

If you have access to a lump sum which is not sufficient to repay your outstanding debts in full, a Debt Settlement may help. It is designed to waiver or reduce debt amounts to allow final settlement with your creditors.


An Agribusiness arrangement is a specific arrangement for those caught up in failed agribusiness loan schemes. It can take the form of a long-term payment arrangement or lump sum settlement, depending on your individual circumstances.


A Moratorium is a short term arrangement with creditors (secured or unsecured) which pauses or significantly reduces repayments and interest over a period of 3 to 12 months.

Loan Renegotiation

Loan Renegotiation is a renegotiation of current loan terms and conditions to reduce interest, increase the loan term with ultimate outcome being a reduction in the minimum loan repayments.