ANZ Personal Loan Calculator
Calculate monthly repayments, borrowing power, and repayment schedules for ANZ personal loans in New Zealand and Australia. Compare secured and unsecured loan options.
Loan Details
Default rate: 12.95%% (you can adjust below)
Extra Payments (Optional)
Results
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | $20,000.00 | $238.72 | $215.83 | $0.00 | $454.55 | $19,761.28 |
| 2 | December 1, 2025 | $19,761.28 | $241.29 | $213.26 | $0.00 | $454.55 | $19,519.99 |
| 3 | January 1, 2026 | $19,519.99 | $243.90 | $210.65 | $0.00 | $454.55 | $19,276.09 |
| 4 | February 1, 2026 | $19,276.09 | $246.53 | $208.02 | $0.00 | $454.55 | $19,029.57 |
| 5 | March 1, 2026 | $19,029.57 | $249.19 | $205.36 | $0.00 | $454.55 | $18,780.38 |
| 6 | April 1, 2026 | $18,780.38 | $251.88 | $202.67 | $0.00 | $454.55 | $18,528.50 |
| 7 | May 1, 2026 | $18,528.50 | $254.60 | $199.95 | $0.00 | $454.55 | $18,273.90 |
| 8 | June 1, 2026 | $18,273.90 | $257.34 | $197.21 | $0.00 | $454.55 | $18,016.56 |
| 9 | July 1, 2026 | $18,016.56 | $260.12 | $194.43 | $0.00 | $454.55 | $17,756.44 |
| 10 | August 1, 2026 | $17,756.44 | $262.93 | $191.62 | $0.00 | $454.55 | $17,493.51 |
| 11 | September 1, 2026 | $17,493.51 | $265.77 | $188.78 | $0.00 | $454.55 | $17,227.74 |
| 12 | October 1, 2026 | $17,227.74 | $268.63 | $185.92 | $0.00 | $454.55 | $16,959.11 |
| 13 | November 1, 2026 | $16,959.11 | $271.53 | $183.02 | $0.00 | $454.55 | $16,687.58 |
| 14 | December 1, 2026 | $16,687.58 | $274.46 | $180.09 | $0.00 | $454.55 | $16,413.11 |
| 15 | January 1, 2027 | $16,413.11 | $277.42 | $177.12 | $0.00 | $454.55 | $16,135.69 |
| 16 | February 1, 2027 | $16,135.69 | $280.42 | $174.13 | $0.00 | $454.55 | $15,855.27 |
| 17 | March 1, 2027 | $15,855.27 | $283.44 | $171.10 | $0.00 | $454.55 | $15,571.83 |
| 18 | April 1, 2027 | $15,571.83 | $286.50 | $168.05 | $0.00 | $454.55 | $15,285.32 |
| 19 | May 1, 2027 | $15,285.32 | $289.60 | $164.95 | $0.00 | $454.55 | $14,995.73 |
| 20 | June 1, 2027 | $14,995.73 | $292.72 | $161.83 | $0.00 | $454.55 | $14,703.01 |
| 21 | July 1, 2027 | $14,703.01 | $295.88 | $158.67 | $0.00 | $454.55 | $14,407.13 |
| 22 | August 1, 2027 | $14,407.13 | $299.07 | $155.48 | $0.00 | $454.55 | $14,108.05 |
| 23 | September 1, 2027 | $14,108.05 | $302.30 | $152.25 | $0.00 | $454.55 | $13,805.75 |
| 24 | October 1, 2027 | $13,805.75 | $305.56 | $148.99 | $0.00 | $454.55 | $13,500.19 |
| 25 | November 1, 2027 | $13,500.19 | $308.86 | $145.69 | $0.00 | $454.55 | $13,191.33 |
| 26 | December 1, 2027 | $13,191.33 | $312.19 | $142.36 | $0.00 | $454.55 | $12,879.14 |
| 27 | January 1, 2028 | $12,879.14 | $315.56 | $138.99 | $0.00 | $454.55 | $12,563.57 |
| 28 | February 1, 2028 | $12,563.57 | $318.97 | $135.58 | $0.00 | $454.55 | $12,244.61 |
| 29 | March 1, 2028 | $12,244.61 | $322.41 | $132.14 | $0.00 | $454.55 | $11,922.20 |
| 30 | April 1, 2028 | $11,922.20 | $325.89 | $128.66 | $0.00 | $454.55 | $11,596.31 |
| 31 | May 1, 2028 | $11,596.31 | $329.41 | $125.14 | $0.00 | $454.55 | $11,266.90 |
| 32 | June 1, 2028 | $11,266.90 | $332.96 | $121.59 | $0.00 | $454.55 | $10,933.94 |
| 33 | July 1, 2028 | $10,933.94 | $336.55 | $118.00 | $0.00 | $454.55 | $10,597.39 |
| 34 | August 1, 2028 | $10,597.39 | $340.19 | $114.36 | $0.00 | $454.55 | $10,257.20 |
| 35 | September 1, 2028 | $10,257.20 | $343.86 | $110.69 | $0.00 | $454.55 | $9,913.34 |
| 36 | October 1, 2028 | $9,913.34 | $347.57 | $106.98 | $0.00 | $454.55 | $9,565.77 |
| 37 | November 1, 2028 | $9,565.77 | $351.32 | $103.23 | $0.00 | $454.55 | $9,214.46 |
| 38 | December 1, 2028 | $9,214.46 | $355.11 | $99.44 | $0.00 | $454.55 | $8,859.34 |
| 39 | January 1, 2029 | $8,859.34 | $358.94 | $95.61 | $0.00 | $454.55 | $8,500.40 |
| 40 | February 1, 2029 | $8,500.40 | $362.82 | $91.73 | $0.00 | $454.55 | $8,137.59 |
| 41 | March 1, 2029 | $8,137.59 | $366.73 | $87.82 | $0.00 | $454.55 | $7,770.85 |
| 42 | April 1, 2029 | $7,770.85 | $370.69 | $83.86 | $0.00 | $454.55 | $7,400.17 |
| 43 | May 1, 2029 | $7,400.17 | $374.69 | $79.86 | $0.00 | $454.55 | $7,025.48 |
| 44 | June 1, 2029 | $7,025.48 | $378.73 | $75.82 | $0.00 | $454.55 | $6,646.74 |
| 45 | July 1, 2029 | $6,646.74 | $382.82 | $71.73 | $0.00 | $454.55 | $6,263.92 |
| 46 | August 1, 2029 | $6,263.92 | $386.95 | $67.60 | $0.00 | $454.55 | $5,876.97 |
| 47 | September 1, 2029 | $5,876.97 | $391.13 | $63.42 | $0.00 | $454.55 | $5,485.84 |
| 48 | October 1, 2029 | $5,485.84 | $395.35 | $59.20 | $0.00 | $454.55 | $5,090.49 |
| 49 | November 1, 2029 | $5,090.49 | $399.61 | $54.93 | $0.00 | $454.55 | $4,690.88 |
| 50 | December 1, 2029 | $4,690.88 | $403.93 | $50.62 | $0.00 | $454.55 | $4,286.95 |
| 51 | January 1, 2030 | $4,286.95 | $408.29 | $46.26 | $0.00 | $454.55 | $3,878.67 |
| 52 | February 1, 2030 | $3,878.67 | $412.69 | $41.86 | $0.00 | $454.55 | $3,465.97 |
| 53 | March 1, 2030 | $3,465.97 | $417.15 | $37.40 | $0.00 | $454.55 | $3,048.83 |
| 54 | April 1, 2030 | $3,048.83 | $421.65 | $32.90 | $0.00 | $454.55 | $2,627.18 |
| 55 | May 1, 2030 | $2,627.18 | $426.20 | $28.35 | $0.00 | $454.55 | $2,200.98 |
| 56 | June 1, 2030 | $2,200.98 | $430.80 | $23.75 | $0.00 | $454.55 | $1,770.18 |
| 57 | July 1, 2030 | $1,770.18 | $435.45 | $19.10 | $0.00 | $454.55 | $1,334.74 |
| 58 | August 1, 2030 | $1,334.74 | $440.15 | $14.40 | $0.00 | $454.55 | $894.59 |
| 59 | September 1, 2030 | $894.59 | $444.90 | $9.65 | $0.00 | $454.55 | $449.70 |
| 60 | October 1, 2030 | $449.70 | $449.70 | $4.85 | $0.00 | $454.55 | $0.00 |
ANZ Personal Loan Calculator: Plan Your Borrowing in New Zealand and Australia
ANZ Bank offers personal loan solutions for customers in New Zealand and Australia, providing flexible borrowing options for various financial needs. Whether you're looking to consolidate debt, finance a major purchase, or cover unexpected expenses, understanding your loan repayments and borrowing capacity is essential. The ANZ personal loan calculator helps you make informed decisions about your borrowing options.
Our free ANZ personal loan calculator allows you to calculate monthly repayments, total interest costs, and detailed repayment schedules for both secured and unsecured personal loans. You can also determine your borrowing power based on your income and expenses, helping you understand how much you can afford to borrow before applying for an ANZ personal loan.
Understanding ANZ Personal Loans
ANZ offers two main types of personal loans: secured and unsecured. Secured personal loans typically offer lower interest rates because they're backed by collateral such as a vehicle or savings account. Unsecured personal loans don't require collateral but generally have higher interest rates. The ANZ personal loan calculator helps you compare both options to find the best fit for your situation.
Whether you're in New Zealand or Australia, ANZ personal loans can be used for various purposes including debt consolidation, home improvements, major purchases, or unexpected expenses. The ANZ personal loan calculator NZ and ANZ personal loan calculator Australia versions help you understand the costs specific to your location.
Using the ANZ Personal Loan Repayment Calculator
The ANZ personal loan calculator repayments feature helps you calculate your monthly payment amount based on your loan amount, interest rate, and loan term. Simply enter your desired loan amount, select whether you want a secured or unsecured loan, choose your country (New Zealand or Australia), and specify your loan term. The calculator will instantly show you your monthly repayment amount, total interest, and complete payment schedule.
The repayment calculator also includes an extra payment feature, allowing you to see how making additional payments can reduce your total interest and shorten your loan term. This is particularly useful if you receive a bonus, tax refund, or other windfall that you want to apply toward your loan.
ANZ Personal Loan Borrowing Power Calculator
One of the most valuable features of our calculator is the ANZ personal loan borrowing power calculator, also known as the "how much can I borrow" calculator. This tool helps you determine your maximum borrowing capacity based on your annual income, monthly expenses, and existing debts. By entering your financial information, you can see how much ANZ might be willing to lend you before you apply.
The ANZ personal loan borrowing power calculator uses standard lending criteria, typically allowing up to 30% of your available income (after expenses and existing debts) for loan repayments. This gives you a realistic estimate of your borrowing capacity and helps you avoid applying for loans you may not qualify for.
ANZ Personal Loan Interest Rate Calculator
Interest rates for ANZ personal loans vary based on several factors including your credit score, loan amount, loan term, and whether the loan is secured or unsecured. The ANZ personal loan interest rate calculator helps you understand how different interest rates affect your monthly payments and total loan cost. You can adjust the interest rate to see how it impacts your repayments, helping you negotiate better terms or compare different loan options.
Generally, secured ANZ personal loans have lower interest rates than unsecured loans. The calculator allows you to compare both options side-by-side to see the difference in costs. In New Zealand, ANZ secured personal loans typically start around 9.95% while unsecured loans start around 12.95%. In Australia, rates are similar with secured loans starting around 8.99% and unsecured loans around 11.99%.
Secured vs Unsecured ANZ Personal Loans
The ANZ secured personal loan calculator and ANZ unsecured personal loan calculator help you compare these two options. Secured loans require collateral, which reduces the lender's risk and results in lower interest rates. However, you risk losing your collateral if you default on the loan. Unsecured loans don't require collateral but come with higher interest rates to compensate for the increased risk to the lender.
Use both calculators to see the difference in monthly payments and total costs. For example, a $20,000 secured loan at 9.95% over 5 years would have a lower monthly payment than the same amount as an unsecured loan at 12.95%. The calculator shows you exactly how much you'll save with a secured loan versus an unsecured loan.
ANZ Personal Loan Calculator for New Zealand
The ANZ personal loan calculator NZ is specifically designed for New Zealand borrowers, using New Zealand Dollar (NZD) currency and reflecting ANZ's New Zealand interest rates and lending practices. Whether you're in Auckland, Wellington, Christchurch, or anywhere else in New Zealand, this calculator helps you understand your loan options.
New Zealand borrowers can use the calculator to compare ANZ's personal loan products, understand repayment schedules, and determine borrowing capacity. The calculator accounts for New Zealand's lending regulations and ANZ's specific loan terms in the New Zealand market.
ANZ Personal Loan Calculator for Australia
The ANZ personal loan calculator Australia version is tailored for Australian borrowers, using Australian Dollar (AUD) currency and reflecting ANZ's Australian interest rates and lending practices. Whether you're in Sydney, Melbourne, Brisbane, or anywhere else in Australia, this calculator provides accurate estimates for ANZ personal loans.
Australian borrowers can use the calculator to compare secured and unsecured loan options, calculate repayments, and determine how much they can borrow based on their income. The calculator helps you understand ANZ's loan products available in the Australian market.
Key Features of Our ANZ Personal Loan Calculator
- Repayment Calculator: Calculate monthly payments, total interest, and complete amortization schedules for ANZ personal loans.
- Borrowing Power Calculator: Determine how much you can borrow based on your income, expenses, and existing debts.
- Secured and Unsecured Options: Compare both loan types to see which option works best for your situation.
- Extra Payment Feature: See how additional payments can reduce your interest and shorten your loan term.
- New Zealand and Australia Support: Use the calculator for both countries with accurate currency and rate information.
- CSV Export: Export your payment schedule to CSV for record-keeping and further analysis.
How to Use the ANZ Personal Loan Calculator
- Select your country (New Zealand or Australia) to get location-specific rates and currency.
- Choose between secured or unsecured loan type to see the appropriate interest rates.
- For repayment calculations, enter your loan amount, interest rate (or use the default), and loan term.
- For borrowing power calculations, switch to the borrowing power tab and enter your annual income, monthly expenses, and existing debts.
- Review your monthly payment, total interest, and complete payment schedule.
- Use the extra payment feature to see how additional payments can save you money.
- Export your payment schedule to CSV for your records.
Tips for Using ANZ Personal Loans
- Compare secured and unsecured options to see which offers better rates for your situation.
- Use the borrowing power calculator before applying to ensure you're applying for an amount you can afford.
- Consider making extra payments if possible to reduce your total interest costs.
- Check current ANZ interest rates on their website, as rates can change over time.
- Review your credit score before applying, as it significantly affects the interest rate you'll receive.
- Use the calculator to compare different loan terms and find the balance between monthly payment and total cost.
Conclusion
The ANZ personal loan calculator is an essential tool for anyone considering an ANZ personal loan in New Zealand or Australia. Whether you need to calculate repayments, determine your borrowing power, or compare secured versus unsecured options, this calculator provides the information you need to make informed borrowing decisions.
By understanding your monthly payments, total interest costs, and borrowing capacity before applying, you can choose the loan option that best fits your financial situation. Use the calculator to explore different scenarios, compare loan types, and plan your borrowing strategy with confidence.