Free tools /Loans & debt

See what extra payments change.

Compare your normal repayment plan with a lump sum or extra monthly payment. See the effect on interest, payoff time and total cash paid.

Free to use. No email required. Calculator inputs stay in your browser and are not submitted or saved.

Your inputs

Your estimate

Enter your inputs and calculate to see the results.

How this calculator works.

The contractual instalment is calculated on the current balance, selected remaining term, fixed rate and balloon. Extra payments reduce the balance while keeping the contractual instalment unchanged. Interest is charged monthly before each payment. A lump sum is applied immediately. Amounts are calculated without lender-specific rounding.

Before paying early.

Ask the lender for a current settlement quote and confirm how extra payments are allocated. Daily interest, variable rates, insurance, payment dates and early settlement charges can change the result. Upfront fees here are paid in cash, not added to the loan.

From estimates to decisions

Put the numbers to work.

Speak to Journalled about bookkeeping, financial reporting or business planning. Calculator results are illustrative and depend on the inputs and assumptions shown.

Ask about accounting support

Your privacy.

The enquiry form sends your name, business name, email address and message through FormSubmit to Journalled. FormSubmit processes the submission and retains it for up to 30 days. Its spam check uses Google reCAPTCHA. The site uses Google Fonts, which may receive standard connection information when the fonts load.

Do not include identity numbers, banking details or confidential financial records in your brief.

Email and WhatsApp links open your chosen service. Information you send through those services is shared with Journalled and handled by the relevant service provider.

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