Calculator
What do the 2026 rate rises cost me?
See how much more you're paying since rates rose, and what another rise would mean.
- Repayment before
- Repayment now
- Extra per year
Rate pre-filled with Finfident's current example variable rate. Change it to your own rate.
Important information
Calculator results are estimates for general guidance only. They're based on the information you enter and the calculator's assumptions, and don't take into account all of your personal circumstances, financial commitments or lender eligibility criteria.
These tools are for illustration only. They aren't financial advice, a quote, an offer of credit or a pre-approval, and shouldn't be relied on when making property or finance decisions. Calculation assumptions and system updates can affect accuracy.
Before you commit to a loan or make an offer on a property, talk to a Finfident broker for an assessment of your situation and a formal assessment from a lender. Interest rates shown are examples only. Lending criteria, fees and charges apply.
Finfident Finance Brokers isn't liable for any loss arising from reliance on these calculators. Always get professional advice for decisions that affect your financial wellbeing. Finfident Finance Brokers (ABN 94 679 280 801) is Credit Representative 569374 of Outsource Financial Pty Ltd, Australian Credit Licence 384324.
More calculators
Borrowing power
Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.
Calculate now
Repayments
Work out monthly, fortnightly or weekly repayments for principal and interest or interest-only loans, and see your balance fall over time.
Calculate now
Refinance savings
Compare your current rate with a new one, including switching costs, to see your monthly saving and how fast you'd break even.
Calculate nowReady to see your options?
Two minutes online, then a real broker calls you. No credit check, no obligation.