Personal Loans, Credit & HECS Calculators
Car loans, credit cards, debt consolidation and HECS-HELP, worked out the Australian way.
Personal debt costs more than most people expect once fees, comparison rates and indexation are included. These calculators show the real cost of car finance, credit cards, buy now pay later and HECS-HELP, using ASIC Moneysmart guidance and current ATO repayment thresholds.
Car, motorcycle and caravan finance
Car Loan Repayment Calculator
Repayments on a new or used car loan, with fees and comparison rate.
Open calculator → FreeBalloon Payment Calculator
See how a balloon or residual changes repayments and total cost.
Open calculator → FreeNovated Lease vs Car Loan Calculator
Compare a salary-packaged novated lease with a standard car loan.
Open calculator → FreeTrue Cost of Car Ownership Calculator
Fuel, rego, CTP, insurance, servicing and depreciation per year.
Open calculator → FreeBoat Loan Calculator
Repayments and total cost of financing a boat.
Open calculator → FreeMotorcycle Loan Calculator
Repayments on a motorcycle or scooter loan.
Open calculator → FreeCaravan and RV Loan Calculator
Repayments on a caravan, campervan or RV loan.
Open calculator →Credit cards and debt
Credit Card Interest Calculator
How much interest your card balance costs each month.
Open calculator → FreeBalance Transfer Savings Calculator
Savings from a 0% balance transfer after the revert rate kicks in.
Open calculator → FreeCredit Card Payoff Timer
How long until your card is paid off at your repayment amount.
Open calculator → FreeDebt Consolidation Calculator
Compare multiple debts against one consolidation loan.
Open calculator → FreeBuy Now Pay Later Cost Tracker
Track BNPL instalments, late fees and their effect on your budget.
Open calculator →Personal loans
Unsecured Personal Loan Calculator
Repayments and total cost of an unsecured personal loan.
Open calculator → FreeSecured vs Unsecured Loan Calculator
Compare rates and total cost of secured and unsecured loans.
Open calculator → FreePeer-to-Peer Lending Estimator
Estimate rates and returns on peer-to-peer loans.
Open calculator → FreeLoan Repayment Calculator
Repayments and total interest on any loan amount, rate and term.
Open calculator →HECS-HELP student debt
HECS-HELP Indexation Calculator
See how 1 June indexation changes your HELP balance.
Open calculator → FreeHECS Repayment Threshold Calculator
Your compulsory HELP repayment at your income this financial year.
Open calculator → FreeVoluntary HECS Repayment Calculator
Does paying extra off HECS beat saving or investing?
Open calculator →Explore other calculator sections
Home Loans & Property Calculators
Repayments, borrowing power, stamp duty for every state, and the true cost of buying property in Australia.
View section →Super, Retirement & Wealth Calculators
Superannuation, ASX shares, compound interest and family wealth planning for Australians.
View section →Income Tax & Business Calculators
Take-home pay, tax refunds, deductions, GST and small business tax using current ATO rates.
View section →Budgeting & Lifestyle Calculators
Everyday spending, insurance and savings calculators to help your pay go further.
View section →General information only. Our calculators give estimates based on the inputs you enter and current published rates. They do not consider your objectives, financial situation or needs. See our Disclaimer.