 Fixed-rate expiry calculatorhttps://ratepool.com.au/calculators/fixed-rate-expiry Explore another scenario |
Fixed-rate expiry calculatorhttps://ratepool.com.au/calculators/fixed-rate-expiry Explore another scenario |
Estimate your balance and repayment when your fixed home-loan rate ends.
Use the expected revert rate from your lender if you have it. The starting figures are an example.
$286.96more per month
During the fixed period$3,067.45
From October 2028$3,354.41
The calculation keeps your original loan end date and assumes principal-and-interest repayments with no fees.
These scenarios change only the revert rate. They keep the expiry month and original loan end date the same.
| Year | Principal repaid | Interest paid | Balance left |
|---|---|---|---|
| 1 | $9,598.53 | $27,210.87 | $490,401.47 |
| 2 | $10,138.96 | $26,670.44 | $480,262.51 |
| 3 | $9,359.02 | $30,893.90 | $470,903.49 |
| 4 | $9,984.82 | $30,268.10 | $460,918.67 |
| 5 | $10,652.46 | $29,600.46 | $450,266.20 |
| 6 | $11,364.75 | $28,888.17 | $438,901.46 |
| 7 | $12,124.66 | $28,128.26 | $426,776.80 |
| 8 | $12,935.38 | $27,317.54 | $413,841.41 |
| 9 | $13,800.32 | $26,452.60 | $400,041.10 |
| 10 | $14,723.09 | $25,529.83 | $385,318.01 |
| 11 | $15,707.56 | $24,545.36 | $369,610.46 |
| 12 | $16,757.85 | $23,495.07 | $352,852.60 |
| 13 | $17,878.38 | $22,374.54 | $334,974.22 |
| 14 | $19,073.83 | $21,179.09 | $315,900.39 |
| 15 | $20,349.22 | $19,903.70 | $295,551.18 |
| 16 | $21,709.88 | $18,543.04 | $273,841.30 |
| 17 | $23,161.53 | $17,091.39 | $250,679.77 |
| 18 | $24,710.24 | $15,542.68 | $225,969.53 |
| 19 | $26,362.51 | $13,890.41 | $199,607.02 |
| 20 | $28,125.26 | $12,127.66 | $171,481.76 |
| 21 | $30,005.87 | $10,247.05 | $141,475.89 |
| 22 | $32,012.24 | $8,240.68 | $109,463.65 |
| 23 | $34,152.76 | $6,100.16 | $75,310.89 |
| 24 | $36,436.41 | $3,816.51 | $38,874.49 |
| 25 | $38,874.49 | $1,380.16 | $0.00 |
We estimate monthly principal-and-interest repayments at the current fixed rate until the selected expiry month. We then apply the expected revert rate to the estimated balance for the rest of the original term. Interest is calculated monthly and rates remain unchanged within each period.
The result excludes fees, offset balances, extra repayments, rate changes before or after expiry, and any difference between a lender's repayment timing and this estimate. The revert rate is an input, not a forecast. Check the actual rate and expiry date with your lender.
Your loan may move to a variable revert rate when the fixed period ends. Check the loan contract or ask your lender for the rate they expect to apply. The actual rate can change before your expiry date.
You may be able to refix, move to a variable rate or refinance. Compare repayments, fees and features, and ask about any break cost if you want to change the loan before the fixed period ends.
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