Geared Investments

Fixed and Variable Interest Calculator

Compare between fixed and variable interest rates over different terms.

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

How to use the calculator

-- Enter your loan details, the fixed period and the portion of your loan you would like to fix.

-- Enter your applicable variable interest rate.

-- Enter your applicable fixed interest rate.

-- Adjust the variable interest rate below chart to see how future variable interest rate movements will change the outcome.

Important Information

While borrowing to invest can multiply your investment returns, it may also multiply your losses if the value of your investment falls.

*Important information about the calculator

The results do not take into account additional payments and assume your loan balance remains the same for the period you have selected. Interest rates are indicative and are subject to change without notice.

The results shown above are estimates for illustrative purposes only and actual outcomes may vary significantly. If you decide to terminate a fixed rate agreement early, an early termination cost may apply - refer to the Geared Investments Loan Terms and Conditions.

Information on taxation is based on the continuation of current laws, as at the date of communication, and their interpretation which may be subject to change.

This Calculator is for illustrative purposes and produces factual information based on the input variables. This Calculator does not provide advice, nor does it represent any particular financial product, and its results are not intended to imply any recommendation or opinion about a financial product.  The outcomes generated by the calculator, and this information, is not advice and does not take account of the objectives, needs, financial and taxation situation of any client. For this reason any client should, before acting on this information, consider the appropriateness of it having regard to their own objectives, needs, financial and taxation situation and, if necessary, seek appropriate independent financial and taxation advice.

No member of the Group guarantees the accuracy or reliability of this service. The Group does not accept any liability for any loss or damage arising out of the use of all or any part of this calculator.  The Group are under no obligation to, and do not, update or keep current the information contained in this calculator. Any valuations, projections and forecasts contained in this calculator are based on a number of assumptions and estimates and are subject to contingencies and uncertainties. Different assumptions and estimates could result in materially different results. This calculator is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject any entity within the Group to any registration or licensing requirement within such jurisdiction.

All material presented in this calculator, unless specifically indicated otherwise, is under copyright to the Group. None of the material, nor its content, nor any copy of it, may be altered in any way, transmitted to, copied or distributed to any other party, without the prior written permission of the appropriate entity within the Group.

The Geared Investments Loan is provided by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and ACL 234945 and administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814, a market participant of the ASX Limited and Cboe Australia Pty Limited (formerly CHI-X Australia Pty Limited), a clearing participant of ASX Clear Pty Limited and a settlement participant of ASX Settlement Pty Limited. 

This information contains general advice and has been prepared without taking into account your objectives, financial situation or needs. You should consider its appropriateness, having regard to your objectives, financial situation and needs. Investors should read the relevant disclosure document and seek professional advice before making any decision based on this information. 

Top