Tools
Calculators that show their assumptions.
Four models for the questions people ask most: what a loan costs, what savings could build to, how compounding behaves and what retirement contributions might produce.
Before you start
These are illustrations, not quotes.
Results move with the inputs you choose. Nothing here constitutes an offer of credit, a deposit rate promise or investment advice.
Figures are estimates produced from the values you enter. Real pricing depends on assessment, product terms and prevailing rates at the time of application.
Loan calculator
Model an instalment loan to see the monthly cost, the total interest and the total amount repaid over the term.
$1,000 – $500,000
0 – 30
1 – 30
- Estimated monthly payment
- $512.91
- Total interest
- $5,774.80
- Total repayment
- $30,774.80
Estimate only. Assumes a fixed rate, equal monthly payments and no fees. Actual rates, terms and eligibility are determined after a full application and assessment.
Savings calculator
See how a starting balance plus regular contributions could build over time at an assumed variable rate.
$0 – $200,000
$0 – $5,000
1 – 40
0 – 12
- Projected balance
- $21,717
- Total contributed
- $20,000
- Interest earned
- $1,717
Estimate only. Deposit rates are variable and can change. Projections assume contributions are made monthly and interest compounds monthly.
Compound growth calculator
Model how a lump sum could grow at a constant assumed rate. Useful for understanding compounding, not for predicting markets.
$100 – $1,000,000
0 – 15
1 – 40
1 – 12
- Projected value
- $21,137
- Total growth
- $11,137
- Initial amount
- $10,000
Estimate only. A constant rate of return is a modelling assumption, not an expectation. Investment values can fall as well as rise and charges reduce returns.
Retirement calculator
Model contributions to a retirement date, then see a conservative level annual income if the balance were drawn evenly over a chosen period.
18 – 70
40 – 80
$0 – $2,000,000
$0 – $10,000
0 – 12
5 – 40
- Projected balance at retirement
- $767,420
- Level annual income
- $30,697
- Total contributed
- $276,000
Estimate only, in today's terms and before inflation, charges and tax. The income figure assumes no growth during drawdown. Actual outcomes depend on markets, contributions, charges and legislation.