Home Loan / Repayment Calculator
Estimate monthly repayments and total interest on a home loan with optional extra payments.
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Understanding home loan repayments
A fixed repayment covers both interest and principal. Early on, more goes to interest; over time, more goes to principal. Adding an extra monthly payment reduces principal faster and can save years of interest.
Estimates only — not financial advice.
FAQ
How are repayments calculated?
Using the amortization formula from amount, rate and term.
Do extra repayments help?
Yes — they cut total interest and shorten payoff time.