Debt consolidation calculator | Calculate repayments - NAB

Offer
Get your plans moving with a $0 application fee.

We’re waiving the $250 application fee on Unsecured personal loans. That’s extra money for what matters most.

Valid for applications started from 5 May 2026 to 30 Jul 2026 and completed within 30 days of commencing - Subject to credit approval and eligibility criteria. Terms, conditions, fees and charges apply.

Apply now

  • To apply online, you need to be:

    • 18 years or older

    • applying as a sole applicant. You’ll have all the repayment obligations, even if someone else will be receiving a substantial benefit from the loan

    • receiving a regular income

    • an Australian resident for tax purposes, an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa

  • You’ll need to provide us with:

    • your driver’s licence number (if you have one)

    • your employment details for the past three years

    • your financial information, including your income, assets, debts and expenses

    • addresses you've lived at in the last three years

    If you’re an existing customer, you’ll also need your NAB ID.

Take control of your repayments

Combining your debts into a single personal loan can lead to reduced fees and greater confidence when making financial decisions.

Help and support

Try our other personal loan calculators to check what your repayments could be and how much you may be able to borrow, or learn about the benefits of debt consolidation.

Personal loan repayment calculator

Calculate what your repayments could be with a NAB Personal Loan.

Personal Loan borrowing power calculator

Estimate what you can afford to borrow and how much the repayments will be.

What is debt consolidation?

Learn how debt consolidation works, and how consolidating your debts could help you save on fees and interest.

What do you need an unsecured personal loan for?

A personal loan can help you achieve your goals and meet your needs, even when you least expect it. You could:

Terms and Conditions