Disclaimer

Results are estimates

Each calculator applies a standard formula to the figures you enter. Real loans and real purchases involve terms this cannot know: your lender's rounding convention, the exact interest accrual basis, reset dates on floating rates, insurance bundled into the loan, and fees that vary by applicant.

Expect small differences from your lender's figures, and treat larger differences as a prompt to ask the lender what is included.

Not financial advice

Nothing here is personalised financial, tax, legal or investment advice. We do not know your circumstances and cannot tell you whether a loan, tenure or product is right for you.

For advice about your own situation, speak to a qualified professional. For the terms of a specific loan, speak to the lender.

Rates, fees and offers

Interest rates, processing fees, GST treatment and no-cost EMI offers change frequently and vary by lender, card, merchant and applicant profile. Any rate or fee shown as a default is a starting value for the calculator, not a quote.

Product prices

Prices in the product EMI calculators are example values so the calculator has somewhere to start. They are not quoted prices, are not tracked against retailers, and should be replaced with the price you are actually offered.

No liability

We provide these tools free of charge and in good faith. We cannot accept liability for decisions taken on the basis of the outputs, or for any loss arising from errors, omissions or unavailability.