ASB Loan Calculator
Free ASB loan calculator to calculate monthly payments, interest rates, and repayment schedules for personal loans, car loans, and home loans. Plan your ASB Bank (NZ) or Malaysian bank loans with instant results for 2025. Export to Excel.
Loan Details
Enter as percentage (e.g., 5.5 for 5.5%)
Common terms: 12, 24, 36, 48, 60 months
Extra Payments (Optional)
Results
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | $50,000.00 | $580.87 | $581.25 | $0.00 | $1,162.12 | $49,419.13 |
| 2 | December 1, 2025 | $49,419.13 | $587.62 | $574.50 | $0.00 | $1,162.12 | $48,831.51 |
| 3 | January 1, 2026 | $48,831.51 | $594.45 | $567.67 | $0.00 | $1,162.12 | $48,237.06 |
| 4 | February 1, 2026 | $48,237.06 | $601.36 | $560.76 | $0.00 | $1,162.12 | $47,635.70 |
| 5 | March 1, 2026 | $47,635.70 | $608.35 | $553.77 | $0.00 | $1,162.12 | $47,027.35 |
| 6 | April 1, 2026 | $47,027.35 | $615.42 | $546.69 | $0.00 | $1,162.12 | $46,411.93 |
| 7 | May 1, 2026 | $46,411.93 | $622.58 | $539.54 | $0.00 | $1,162.12 | $45,789.35 |
| 8 | June 1, 2026 | $45,789.35 | $629.82 | $532.30 | $0.00 | $1,162.12 | $45,159.53 |
| 9 | July 1, 2026 | $45,159.53 | $637.14 | $524.98 | $0.00 | $1,162.12 | $44,522.40 |
| 10 | August 1, 2026 | $44,522.40 | $644.54 | $517.57 | $0.00 | $1,162.12 | $43,877.85 |
| 11 | September 1, 2026 | $43,877.85 | $652.04 | $510.08 | $0.00 | $1,162.12 | $43,225.81 |
| 12 | October 1, 2026 | $43,225.81 | $659.62 | $502.50 | $0.00 | $1,162.12 | $42,566.20 |
| 13 | November 1, 2026 | $42,566.20 | $667.28 | $494.83 | $0.00 | $1,162.12 | $41,898.91 |
| 14 | December 1, 2026 | $41,898.91 | $675.04 | $487.07 | $0.00 | $1,162.12 | $41,223.87 |
| 15 | January 1, 2027 | $41,223.87 | $682.89 | $479.23 | $0.00 | $1,162.12 | $40,540.98 |
| 16 | February 1, 2027 | $40,540.98 | $690.83 | $471.29 | $0.00 | $1,162.12 | $39,850.15 |
| 17 | March 1, 2027 | $39,850.15 | $698.86 | $463.26 | $0.00 | $1,162.12 | $39,151.29 |
| 18 | April 1, 2027 | $39,151.29 | $706.98 | $455.13 | $0.00 | $1,162.12 | $38,444.31 |
| 19 | May 1, 2027 | $38,444.31 | $715.20 | $446.92 | $0.00 | $1,162.12 | $37,729.11 |
| 20 | June 1, 2027 | $37,729.11 | $723.52 | $438.60 | $0.00 | $1,162.12 | $37,005.59 |
| 21 | July 1, 2027 | $37,005.59 | $731.93 | $430.19 | $0.00 | $1,162.12 | $36,273.67 |
| 22 | August 1, 2027 | $36,273.67 | $740.44 | $421.68 | $0.00 | $1,162.12 | $35,533.23 |
| 23 | September 1, 2027 | $35,533.23 | $749.04 | $413.07 | $0.00 | $1,162.12 | $34,784.19 |
| 24 | October 1, 2027 | $34,784.19 | $757.75 | $404.37 | $0.00 | $1,162.12 | $34,026.44 |
| 25 | November 1, 2027 | $34,026.44 | $766.56 | $395.56 | $0.00 | $1,162.12 | $33,259.88 |
| 26 | December 1, 2027 | $33,259.88 | $775.47 | $386.65 | $0.00 | $1,162.12 | $32,484.41 |
| 27 | January 1, 2028 | $32,484.41 | $784.49 | $377.63 | $0.00 | $1,162.12 | $31,699.92 |
| 28 | February 1, 2028 | $31,699.92 | $793.61 | $368.51 | $0.00 | $1,162.12 | $30,906.32 |
| 29 | March 1, 2028 | $30,906.32 | $802.83 | $359.29 | $0.00 | $1,162.12 | $30,103.49 |
| 30 | April 1, 2028 | $30,103.49 | $812.16 | $349.95 | $0.00 | $1,162.12 | $29,291.32 |
| 31 | May 1, 2028 | $29,291.32 | $821.61 | $340.51 | $0.00 | $1,162.12 | $28,469.72 |
| 32 | June 1, 2028 | $28,469.72 | $831.16 | $330.96 | $0.00 | $1,162.12 | $27,638.56 |
| 33 | July 1, 2028 | $27,638.56 | $840.82 | $321.30 | $0.00 | $1,162.12 | $26,797.74 |
| 34 | August 1, 2028 | $26,797.74 | $850.59 | $311.52 | $0.00 | $1,162.12 | $25,947.15 |
| 35 | September 1, 2028 | $25,947.15 | $860.48 | $301.64 | $0.00 | $1,162.12 | $25,086.67 |
| 36 | October 1, 2028 | $25,086.67 | $870.48 | $291.63 | $0.00 | $1,162.12 | $24,216.18 |
| 37 | November 1, 2028 | $24,216.18 | $880.60 | $281.51 | $0.00 | $1,162.12 | $23,335.58 |
| 38 | December 1, 2028 | $23,335.58 | $890.84 | $271.28 | $0.00 | $1,162.12 | $22,444.74 |
| 39 | January 1, 2029 | $22,444.74 | $901.20 | $260.92 | $0.00 | $1,162.12 | $21,543.54 |
| 40 | February 1, 2029 | $21,543.54 | $911.67 | $250.44 | $0.00 | $1,162.12 | $20,631.87 |
| 41 | March 1, 2029 | $20,631.87 | $922.27 | $239.85 | $0.00 | $1,162.12 | $19,709.60 |
| 42 | April 1, 2029 | $19,709.60 | $932.99 | $229.12 | $0.00 | $1,162.12 | $18,776.60 |
| 43 | May 1, 2029 | $18,776.60 | $943.84 | $218.28 | $0.00 | $1,162.12 | $17,832.77 |
| 44 | June 1, 2029 | $17,832.77 | $954.81 | $207.31 | $0.00 | $1,162.12 | $16,877.95 |
| 45 | July 1, 2029 | $16,877.95 | $965.91 | $196.21 | $0.00 | $1,162.12 | $15,912.04 |
| 46 | August 1, 2029 | $15,912.04 | $977.14 | $184.98 | $0.00 | $1,162.12 | $14,934.90 |
| 47 | September 1, 2029 | $14,934.90 | $988.50 | $173.62 | $0.00 | $1,162.12 | $13,946.41 |
| 48 | October 1, 2029 | $13,946.41 | $999.99 | $162.13 | $0.00 | $1,162.12 | $12,946.42 |
| 49 | November 1, 2029 | $12,946.42 | $1,011.61 | $150.50 | $0.00 | $1,162.12 | $11,934.80 |
| 50 | December 1, 2029 | $11,934.80 | $1,023.37 | $138.74 | $0.00 | $1,162.12 | $10,911.43 |
| 51 | January 1, 2030 | $10,911.43 | $1,035.27 | $126.85 | $0.00 | $1,162.12 | $9,876.16 |
| 52 | February 1, 2030 | $9,876.16 | $1,047.31 | $114.81 | $0.00 | $1,162.12 | $8,828.85 |
| 53 | March 1, 2030 | $8,828.85 | $1,059.48 | $102.64 | $0.00 | $1,162.12 | $7,769.37 |
| 54 | April 1, 2030 | $7,769.37 | $1,071.80 | $90.32 | $0.00 | $1,162.12 | $6,697.57 |
| 55 | May 1, 2030 | $6,697.57 | $1,084.26 | $77.86 | $0.00 | $1,162.12 | $5,613.31 |
| 56 | June 1, 2030 | $5,613.31 | $1,096.86 | $65.25 | $0.00 | $1,162.12 | $4,516.45 |
| 57 | July 1, 2030 | $4,516.45 | $1,109.61 | $52.50 | $0.00 | $1,162.12 | $3,406.84 |
| 58 | August 1, 2030 | $3,406.84 | $1,122.51 | $39.60 | $0.00 | $1,162.12 | $2,284.32 |
| 59 | September 1, 2030 | $2,284.32 | $1,135.56 | $26.56 | $0.00 | $1,162.12 | $1,148.76 |
| 60 | October 1, 2030 | $1,148.76 | $1,148.76 | $13.35 | $0.00 | $1,162.12 | $0.00 |
About ASB Loan Calculator
The ASB Loan Calculator is a comprehensive financial tool designed to help you plan and manage your loans with ASB Bank in New Zealand or various Malaysian banks including Maybank, RHB, AmBank, CIMB, and BSN. Whether you're considering a personal loan, car loan, or home loan, this calculator provides instant, accurate calculations to help you make informed financial decisions for 2025.
For New Zealand customers, ASB Bank offers a wide range of loan products with competitive interest rates and flexible repayment terms. Our calculator supports personal loans for various purposes, car loans for new and used vehicles, and home loans for property purchases. ASB Bank is one of New Zealand's leading banks, providing comprehensive financial services to individuals and businesses across the country.
For Malaysian customers, the calculator supports loans from major banks including Maybank, RHB Bank, AmBank, CIMB Bank, and BSN (Bank Simpanan Nasional). Each bank offers different interest rates and terms, and our calculator uses typical market rates to provide accurate estimates. Whether you're looking for a personal loan, car loan, or home loan, you can compare options across these major Malaysian banks.
Personal loans are versatile financing options that can be used for various purposes such as debt consolidation, home improvements, major purchases, or unexpected expenses. The ASB loan calculator helps you understand your monthly payments, total interest costs, and repayment schedule. For New Zealand customers, ASB Bank personal loans typically offer competitive rates with flexible terms ranging from 12 to 60 months. Malaysian banks offer similar flexibility with terms typically ranging from 12 to 84 months.
Car loans are essential for vehicle financing, whether you're purchasing a new or used car. The calculator supports both new and used car financing options. You can input the car price and down payment amount, and the calculator will automatically determine your loan amount. ASB Bank car loans in New Zealand typically offer competitive rates for both new and used vehicles. Malaysian banks like Maybank, RHB, AmBank, CIMB, and BSN also provide competitive car loan rates with various terms and down payment options.
Home loans, also known as mortgage loans, are one of the most significant financial commitments you'll make. Our ASB loan calculator helps you understand your monthly mortgage payments, including principal, interest, property tax, and home insurance. This comprehensive view helps you budget accurately for your property purchase. The calculator supports various loan terms, from 15-year mortgages to 30-year mortgages, allowing you to see how different terms affect your monthly payments and total interest costs.
One of the key features of this calculator is the ability to model extra payments. You can see how making additional monthly payments or a one-time lump sum payment can reduce your total interest costs and shorten your loan term. This feature helps you understand the financial benefits of paying off your loan early and can save you thousands in interest payments over the life of your loan.
All calculations include detailed payment schedules showing month-by-month breakdowns of principal, interest, and remaining balance. You can export these schedules to Excel format (CSV) for further analysis or record-keeping. The calculator also shows how extra payments can reduce your total interest costs and shorten your loan term, helping you save money over the life of your loan.
Whether you're planning a major purchase, consolidating debt, or exploring financing options, the ASB Loan Calculator provides the transparency and accuracy you need to make confident financial decisions. Use it to compare different loan scenarios, understand the true cost of borrowing, and plan your repayment strategy effectively. The calculator is updated for 2025 rates and terms, ensuring you have the most current information for your financial planning.