ANZ Loan Calculator
Calculate monthly payments, interest, and repayment schedules for ANZ loans in Australia, New Zealand, and Fiji
Results
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | 1 December 2025 | $50,000 | $689 | $313 | $0 | $1,002 | $49,311 |
| 2 | 1 January 2026 | $49,311 | $694 | $308 | $0 | $1,002 | $48,617 |
| 3 | 1 February 2026 | $48,617 | $698 | $304 | $0 | $1,002 | $47,919 |
| 4 | 1 March 2026 | $47,919 | $702 | $299 | $0 | $1,002 | $47,216 |
| 5 | 1 April 2026 | $47,216 | $707 | $295 | $0 | $1,002 | $46,510 |
| 6 | 1 May 2026 | $46,510 | $711 | $291 | $0 | $1,002 | $45,798 |
| 7 | 1 June 2026 | $45,798 | $716 | $286 | $0 | $1,002 | $45,083 |
| 8 | 1 July 2026 | $45,083 | $720 | $282 | $0 | $1,002 | $44,363 |
| 9 | 1 August 2026 | $44,363 | $725 | $277 | $0 | $1,002 | $43,638 |
| 10 | 1 September 2026 | $43,638 | $729 | $273 | $0 | $1,002 | $42,909 |
| 11 | 1 October 2026 | $42,909 | $734 | $268 | $0 | $1,002 | $42,175 |
| 12 | 1 November 2026 | $42,175 | $738 | $264 | $0 | $1,002 | $41,437 |
| 13 | 1 December 2026 | $41,437 | $743 | $259 | $0 | $1,002 | $40,694 |
| 14 | 1 January 2027 | $40,694 | $748 | $254 | $0 | $1,002 | $39,946 |
| 15 | 1 February 2027 | $39,946 | $752 | $250 | $0 | $1,002 | $39,194 |
| 16 | 1 March 2027 | $39,194 | $757 | $245 | $0 | $1,002 | $38,437 |
| 17 | 1 April 2027 | $38,437 | $762 | $240 | $0 | $1,002 | $37,676 |
| 18 | 1 May 2027 | $37,676 | $766 | $235 | $0 | $1,002 | $36,909 |
| 19 | 1 June 2027 | $36,909 | $771 | $231 | $0 | $1,002 | $36,138 |
| 20 | 1 July 2027 | $36,138 | $776 | $226 | $0 | $1,002 | $35,362 |
| 21 | 1 August 2027 | $35,362 | $781 | $221 | $0 | $1,002 | $34,581 |
| 22 | 1 September 2027 | $34,581 | $786 | $216 | $0 | $1,002 | $33,795 |
| 23 | 1 October 2027 | $33,795 | $791 | $211 | $0 | $1,002 | $33,005 |
| 24 | 1 November 2027 | $33,005 | $796 | $206 | $0 | $1,002 | $32,209 |
| 25 | 1 December 2027 | $32,209 | $801 | $201 | $0 | $1,002 | $31,408 |
| 26 | 1 January 2028 | $31,408 | $806 | $196 | $0 | $1,002 | $30,603 |
| 27 | 1 February 2028 | $30,603 | $811 | $191 | $0 | $1,002 | $29,792 |
| 28 | 1 March 2028 | $29,792 | $816 | $186 | $0 | $1,002 | $28,976 |
| 29 | 1 April 2028 | $28,976 | $821 | $181 | $0 | $1,002 | $28,156 |
| 30 | 1 May 2028 | $28,156 | $826 | $176 | $0 | $1,002 | $27,330 |
| 31 | 1 June 2028 | $27,330 | $831 | $171 | $0 | $1,002 | $26,499 |
| 32 | 1 July 2028 | $26,499 | $836 | $166 | $0 | $1,002 | $25,662 |
| 33 | 1 August 2028 | $25,662 | $842 | $160 | $0 | $1,002 | $24,821 |
| 34 | 1 September 2028 | $24,821 | $847 | $155 | $0 | $1,002 | $23,974 |
| 35 | 1 October 2028 | $23,974 | $852 | $150 | $0 | $1,002 | $23,122 |
| 36 | 1 November 2028 | $23,122 | $857 | $145 | $0 | $1,002 | $22,265 |
| 37 | 1 December 2028 | $22,265 | $863 | $139 | $0 | $1,002 | $21,402 |
| 38 | 1 January 2029 | $21,402 | $868 | $134 | $0 | $1,002 | $20,534 |
| 39 | 1 February 2029 | $20,534 | $874 | $128 | $0 | $1,002 | $19,660 |
| 40 | 1 March 2029 | $19,660 | $879 | $123 | $0 | $1,002 | $18,781 |
| 41 | 1 April 2029 | $18,781 | $885 | $117 | $0 | $1,002 | $17,897 |
| 42 | 1 May 2029 | $17,897 | $890 | $112 | $0 | $1,002 | $17,007 |
| 43 | 1 June 2029 | $17,007 | $896 | $106 | $0 | $1,002 | $16,111 |
| 44 | 1 July 2029 | $16,111 | $901 | $101 | $0 | $1,002 | $15,210 |
| 45 | 1 August 2029 | $15,210 | $907 | $95 | $0 | $1,002 | $14,303 |
| 46 | 1 September 2029 | $14,303 | $913 | $89 | $0 | $1,002 | $13,390 |
| 47 | 1 October 2029 | $13,390 | $918 | $84 | $0 | $1,002 | $12,472 |
| 48 | 1 November 2029 | $12,472 | $924 | $78 | $0 | $1,002 | $11,548 |
| 49 | 1 December 2029 | $11,548 | $930 | $72 | $0 | $1,002 | $10,619 |
| 50 | 1 January 2030 | $10,619 | $936 | $66 | $0 | $1,002 | $9,683 |
| 51 | 1 February 2030 | $9,683 | $941 | $61 | $0 | $1,002 | $8,742 |
| 52 | 1 March 2030 | $8,742 | $947 | $55 | $0 | $1,002 | $7,794 |
| 53 | 1 April 2030 | $7,794 | $953 | $49 | $0 | $1,002 | $6,841 |
| 54 | 1 May 2030 | $6,841 | $959 | $43 | $0 | $1,002 | $5,882 |
| 55 | 1 June 2030 | $5,882 | $965 | $37 | $0 | $1,002 | $4,917 |
| 56 | 1 July 2030 | $4,917 | $971 | $31 | $0 | $1,002 | $3,946 |
| 57 | 1 August 2030 | $3,946 | $977 | $25 | $0 | $1,002 | $2,969 |
| 58 | 1 September 2030 | $2,969 | $983 | $19 | $0 | $1,002 | $1,985 |
| 59 | 1 October 2030 | $1,985 | $989 | $12 | $0 | $1,002 | $996 |
| 60 | 1 November 2030 | $996 | $996 | $6 | $0 | $1,002 | $0 |
About ANZ Loan Calculator
Our free ANZ loan calculator is a comprehensive tool designed to help you calculate monthly payments, interest costs, and repayment schedules for Australia and New Zealand Banking Group loans. Whether you're planning to take out a personal loan, finance a car, purchase a home, apply for a business loan, or optimize your loan repayment strategy, this calculator provides accurate estimates based on ANZ's lending standards for Australia, New Zealand, and Fiji markets.
The calculator supports multiple loan types including personal loans, car loans, home loans, and business loans. For personal loans, the calculator helps you understand your monthly payment obligations and total interest costs over the life of the loan. Car loan calculations help you plan your vehicle financing with options for down payments, allowing you to see how different down payment amounts affect your monthly payments and total loan cost.
Home loan calculations account for additional costs such as property tax and home insurance, giving you a complete picture of your monthly housing expenses. This is particularly important for Australian and New Zealand property markets where these additional costs can significantly impact your overall housing budget. The calculator helps you understand not just your principal and interest payments, but also the total monthly cost of homeownership.
Business loan calculations help entrepreneurs and business owners plan their financing needs, whether for equipment purchases, working capital, or business expansion. The calculator provides clear visibility into monthly payment obligations and total interest costs, helping you make informed decisions about business financing options.
The repayment calculator is a powerful tool for optimizing your existing loan. By entering your current loan balance, interest rate, and remaining term, you can see how adjusting your payment schedule or interest rate affects your monthly payments and total interest costs. This feature helps you understand the benefits of refinancing, making extra payments, or adjusting your loan term to pay off your debt faster and save on interest.
All calculations are performed using standard lending formulas and consider factors such as loan amount, interest rate, loan term, and optional extra payments. The payment schedule shows a detailed amortization table with all monthly payments, helping you visualize how your loan balance decreases over time. You can export the payment schedule to Excel for further analysis and record-keeping, making it easy to track your loan payments and plan your finances.
This calculator is particularly useful for comparing loan options, understanding the impact of interest rates on your payments, and planning your financial future. Whether you're a first-time borrower in Australia, New Zealand, or Fiji, or looking to refinance an existing loan, our ANZ loan calculator provides the insights you need to make confident financial decisions. The tool supports multiple currencies including Australian Dollars (AUD), New Zealand Dollars (NZD), and Fijian Dollars (FJD), ensuring accurate calculations for each market.
The calculator is designed for the Australian, New Zealand, and Fijian markets and uses appropriate currency formatting for each region. It follows standard banking practices and lending formulas used by ANZ and other major financial institutions in these markets. The Excel export feature allows you to save your payment schedule for offline reference and financial planning purposes, making it easy to share with financial advisors or include in your personal financial planning documents.