Loan amount:
Fixed period:
1 yr
2 yrs
3 yrs
5 yrs
Fixed portion:
Variable portion:
Fixed interest rate:
Variable 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
$
Fixed & variable
Total Interest
$
Variable-only
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
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