Loan amount:
Fixed period:
1 yr
2 yrs
3 yrs
5 yrs
Fixed portion:
Variable portion:
Variable interest rate:
Fixed interest rate:
Capitalising your variable interest adds your monthly accrued interest to your variable loan balance.
Capitalise variable interest:
Recalculate
Monthly interest payments
Month 1
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 2
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 3
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 4
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 5
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 6
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 7
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 8
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 9
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 10
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 11
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Month 12
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Year 1
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Year 2
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Year 3
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Year 4
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Year 5
Fixed and variable interest
$
Variable only interest
$
Variable only interest
$
Saving
$
Variable-only
Total Interest
$
Fixed & variable
Total Interest
$
Variable-only
Total Interest
$
Amount saved
$
Note: Results based on capitalisation of variable interest
Variable Interest Rate
Adjust the variable interest rate based on how you think the rate may move
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down
Up
Down