Debt Repayment Calculator

Efficiently manage your debt with our Debt Repayment Calculator. Estimate repayments and optimize your loan term


Auto Process


Client Side
Repayment Schedule
Payment #Payment DatePayment AmountPrincipalInterestBalance
Result will appear here
Documentation 📝

The Debt Repayment Calculator is a powerful tool that automatically calculates and generates a detailed repayment schedule for users to estimate their debt repayment journey. By providing essential details such as loan term, loan amount, interest rate, and an optional offset amount, the calculator offers insights into the impact of offsetting debt on the loan term.

How to Use Debt Repayment Calculator

  1. Loan Term: Enter the duration of the loan in years. This represents the total time it will take to repay the debt.
  2. Loan Amount: Input the principal amount of the debt.
  3. Annual Interest Rate: Specify the annual interest rate applicable to the debt.
  4. Offset Amount (optional): If you have an offset account or any funds set aside to reduce your debt balance, enter the amount you wish to apply as an offset.
  5. The repayment schedule and summary will update automatically as you enter the required information.

Repayment Schedule

The repayment schedule provides a detailed breakdown of your debt repayments over time. It includes the payment number, payment date, payment amount, principal (portion of the payment that goes toward reducing the debt balance), interest (portion of the payment that covers the interest charges), and the remaining balance after each payment.

The green summary text will also provide an overview of the debt repayment analysis. It indicates whether the loan term has been reduced and provides any applicable interest savings resulting from the offset. If no offset is applied, the summary will indicate that the loan term has not been reduced.


The Debt Repayment Calculator is a tool for estimation purposes only. It provides general information and should not be considered financial advice. The calculated results may not reflect the exact figures provided by financial institutions or lenders. Users are advised to consult with a qualified financial advisor or debt management professional before making any financial decisions.

External Resources

To further enhance your understanding of debt repayment strategies and related concepts, you can explore reputable financial websites, consult with financial experts, or refer to books and publications on personal finance and debt management.

Share OUR Tool 🙌