Variable repayment loan calculator

Model a loan where the scheduled repayment amount changes across phases (for example a step-up structure).

General information only. This calculator provides general information based on the figures you enter. It is not personal financial, credit, tax or legal advice and does not consider your objectives, financial situation or needs. By using this calculator you acknowledge the results are general in nature. Read our editorial guidelines.

Your details

Original loan amount

Annual interest rate (%)

Phase 1 months

Monthly repayment

Phase 2 months

Monthly repayment

Phase 3 months

Monthly repayment

Results

Balance after all phases: $222,975
Total interest paid: $180,975
Total amount paid: $258,000

Estimates only and general in nature. Not personal financial, credit, tax or legal advice. Confirm figures with your lender, accountant or the relevant state revenue office before making a decision. See our Disclaimer, Conflicts of Interest and How we get paid.