About LoanChecker.ai
Helping homebuyers understand the true cost of their mortgage.
Our Mission
LoanChecker.ai is a free mortgage calculator built for clarity. We believe that understanding your mortgage should be simple, transparent, and accessible. Our goal is to give homebuyers the tools to stress-test rate changes, compare scenarios, and make informed decisions — without needing a spreadsheet or a financial advisor for every question.
Free to Use
No account, no payment, no catch.
Private by Design
All calculations run in your browser. We never see your figures.
Rate Stress Testing
Model +1% to +4% rate increases and see the real impact instantly.
Scenario Comparison
Compare extra repayments, refinancing and rate changes side by side.
What the Calculator Does
Core Calculations
- Weekly, fortnightly and monthly repayments
- Total interest payable over the loan term
- Interest vs principal breakdown
- Full amortisation schedule
- Loan-to-Value (LVR) with LMI warnings
- Estimated payoff date
Scenario Analysis
- Rate stress testing (+1% to +4%)
- Mode A: keep term, repayments adjust
- Mode B: keep repayment, term adjusts
- Extra repayment simulator
- Refinance comparison with breakeven
- Shareable scenario URLs
Important Disclaimer
This calculator provides estimates only and does not constitute financial advice. Results may vary depending on lender policies, fees, taxes, interest rates, and individual circumstances. Always consult a qualified financial advisor or mortgage broker before making financial decisions.