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What will your mortgage really cost?

Estimate your repayments and the total interest you'll pay over the life of a loan. Adjust the amount, rate and term to see how each lever changes the outcome — no sign-up, no email required.

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"Troy made me feel comfortable and explained my options clearly and simply. He saved me money and put a strategy in place I am happy and confident with."

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Self-Licensed AFSL SSA™ Designated Master of Fin. Planning Fee for Service
01 — Mortgage

Mortgage Repayments

— Monthly Repayment
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— Total Repaid
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— Total Interest
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Indicative estimate only using a standard principal & interest formula. Does not account for fees, offset accounts, or rate changes. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

Your Adviser

Self-licensed by design. Fee-for-service by choice.

Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
  • Master of Financial Planning — Kaplan Professional
  • SMSF Specialist Advisor™ (SSA™) designated
  • Member, Financial Advice Association of Australia (FAAA)
  • Self-licensed AFSL 562647 — no bank ownership, no third-party ties
  • Offices in Barangaroo (Sydney) and Brisbane CBD — advises nationally via Zoom
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the mortgage repayment calculator.

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  • How are the repayments calculated?
    The calculator uses the standard amortisation formula: your loan amount, interest rate and term determine a constant periodic repayment covering both principal and interest. It assumes the rate stays constant for the full term and doesn't include fees, offset accounts or extra repayments.
  • Should I pay down the mortgage or add to super?
    One of the most common questions pre-retirees ask — and the answer depends on your interest rate, marginal tax rate, age and cashflow. It's a modelling exercise, not a rule of thumb, and it's exactly the kind of decision we work through in an advice engagement.
  • Does the calculator include rate changes or fees?
    No. It assumes a constant rate and excludes lender fees, package costs and offset benefits. Treat the result as a baseline estimate, not a quote.
  • Can I use this for an investment property loan?
    Yes — the arithmetic is the same. Keep in mind interest on investment loans is generally tax-deductible, which changes the after-tax picture. Structuring debt tax-effectively is part of the advice we provide.
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001