Personal loan repayment calculator terms and conditions

Repayments calculator information

Repayments are indicative only. When calculating repayments we have had to make a number of assumptions which may affect the accuracy of the amounts shown. They include:

Time of calculation:

We've calculated everything based on the information and figures available as at the date the calculation is made.

Interest rates:

That the rate applicable on the day the calculation is made is the rate which will apply to the loan throughout the loan term (even where the rate is a variable rate). We do this as we can't predict what rates will do in the future.

Interest and Repayment cycles:

That repayments are payable, and interest is charged, monthly and on the same day. If you have asked us to show you a fortnightly or weekly repayment amount, to keep things simple, we will multiply the monthly repayment amount we have calculated by 12 and then divide it by 26 (for fortnightly repayments) or 52 (for weekly repayments).

To calculate monthly interest, this calculator calculates your annual interest charge and divides it by 12 so that interest is spread evenly across each month. Under your contract, the interest calculation takes into account the actual length of each month so is slightly different.


We haven't included any fees or charges that may apply (Note: for NAB Personal Loans a service fee is added to the amount you pay each month). For information about our fees please see


We have rounded amounts -- with most results being rounded to the nearest dollar.

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