Repayment calculator · Brilliant Finance Solutions

02 · Assumptions

ASSUMPTIONS USED IN THIS CALCULATOR

Calculator inputs:
- Loan amount (you provide)
- Interest rate (you provide; default 6.50% p.a.)
- Loan term (you provide; default 30 years)
- Repayment frequency (you select; default monthly)
- Repayment type (you select: P&I or Interest Only)

Calculation method:
Standard amortisation formula (for P&I) or simple interest (for Interest Only periods).

Excluded from calculation:
- Account-keeping fees
- Offset / redraw effects
- Rate changes during loan term
- Lump-sum repayments

Lender variation:
Some lenders calculate interest daily, others monthly. Some apply the rate at end-of-period, others at start. Differences are usually small ($5-50/month on a typical loan) but accumulate.

03 · Disclaimer

04 · Comparison Rate Warning

07 · The conversation

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Repayment calculator.

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