{"id":715,"date":"2026-08-17T10:09:17","date_gmt":"2026-08-17T10:09:17","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=715"},"modified":"2026-08-17T10:10:52","modified_gmt":"2026-08-17T10:10:52","slug":"personal-loan-payoff-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/personal-loan-payoff-calculator-australia\/","title":{"rendered":"Personal Loan Payoff Calculator Australia"},"content":{"rendered":"<div id=\"pla-au-calculator\">\r\n\r\n  <div class=\"pla-container\">\r\n\r\n    <div class=\"pla-hero\">\r\n      <div class=\"pla-badge\">AUSTRALIA PERSONAL LOAN CALCULATOR<\/div>\r\n\r\n      <h2>Personal Loan Payoff Calculator Australia<\/h2>\r\n\r\n      <p>\r\n        Calculate how long it may take to pay off your personal loan,\r\n        estimate total interest and see how extra repayments could help\r\n        you become debt-free sooner.\r\n      <\/p>\r\n    <\/div>\r\n\r\n\r\n    <div class=\"pla-main\">\r\n\r\n      <!-- INPUTS -->\r\n\r\n      <div class=\"pla-input-card\">\r\n\r\n        <h3>Your Personal Loan<\/h3>\r\n\r\n        <div class=\"pla-field\">\r\n\r\n          <label for=\"pla-balance\">\r\n            Current Loan Balance\r\n          <\/label>\r\n\r\n          <div class=\"pla-input-wrap\">\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"pla-balance\"\r\n              value=\"20000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"pla-field\">\r\n\r\n          <label for=\"pla-rate\">\r\n            Annual Interest Rate\r\n            <small>p.a.<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"pla-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"pla-rate\"\r\n              value=\"10.99\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"pla-field\">\r\n\r\n          <label for=\"pla-payment\">\r\n            Current Monthly Repayment\r\n          <\/label>\r\n\r\n          <div class=\"pla-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"pla-payment\"\r\n              value=\"500\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"pla-field\">\r\n\r\n          <label for=\"pla-extra\">\r\n            Extra Monthly Repayment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"pla-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"pla-extra\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"pla-calculate\"\r\n        >\r\n          Calculate Loan Payoff\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"pla-reset\"\r\n          class=\"pla-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- RESULTS -->\r\n\r\n      <div class=\"pla-results\">\r\n\r\n        <div\r\n          id=\"pla-error\"\r\n          class=\"pla-error\"\r\n        ><\/div>\r\n\r\n\r\n        <div class=\"pla-result-banner\">\r\n\r\n          <div>\r\n\r\n            <span>ESTIMATED LOAN PAYOFF DATE<\/span>\r\n\r\n            <strong id=\"pla-date\">\u2014<\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-banner-right\">\r\n\r\n            <span>REPAYMENT PERIOD<\/span>\r\n\r\n            <strong id=\"pla-time\">\u2014<\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- STATISTICS -->\r\n\r\n        <div class=\"pla-stat-grid\">\r\n\r\n          <div class=\"pla-stat\">\r\n\r\n            <span>Total Interest<\/span>\r\n\r\n            <strong id=\"pla-interest\">$0.00<\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-stat\">\r\n\r\n            <span>Total Repaid<\/span>\r\n\r\n            <strong id=\"pla-total\">$0.00<\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-stat\">\r\n\r\n            <span>First Month Interest<\/span>\r\n\r\n            <strong id=\"pla-monthly-interest\">$0.00<\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-stat\">\r\n\r\n            <span>First Month Principal<\/span>\r\n\r\n            <strong id=\"pla-principal\">$0.00<\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SUMMARY -->\r\n\r\n        <div class=\"pla-summary\">\r\n\r\n          <h3>Your Personal Loan Payoff Plan<\/h3>\r\n\r\n          <p id=\"pla-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- TARGET PAYMENT -->\r\n\r\n        <div class=\"pla-section\">\r\n\r\n          <div class=\"pla-section-heading\">\r\n\r\n            <h3>Repayment Needed to Reach Your Goal<\/h3>\r\n\r\n            <p>\r\n              Estimated monthly repayment required to clear your\r\n              current balance within each target period.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-target-grid\">\r\n\r\n            <div class=\"pla-target\">\r\n\r\n              <span>1 Year<\/span>\r\n\r\n              <strong id=\"pla-target1\">$0<\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"pla-target\">\r\n\r\n              <span>2 Years<\/span>\r\n\r\n              <strong id=\"pla-target2\">$0<\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"pla-target\">\r\n\r\n              <span>3 Years<\/span>\r\n\r\n              <strong id=\"pla-target3\">$0<\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"pla-target\">\r\n\r\n              <span>5 Years<\/span>\r\n\r\n              <strong id=\"pla-target5\">$0<\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"pla-target\">\r\n\r\n              <span>7 Years<\/span>\r\n\r\n              <strong id=\"pla-target7\">$0<\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCENARIOS -->\r\n\r\n        <div class=\"pla-section\">\r\n\r\n          <div class=\"pla-section-heading\">\r\n\r\n            <h3>What If You Repay More?<\/h3>\r\n\r\n            <p>\r\n              Compare your current repayment with additional monthly\r\n              repayments and see the potential interest savings.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-table-wrap\">\r\n\r\n            <table class=\"pla-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Monthly Repayment<\/th>\r\n                  <th>Payoff Time<\/th>\r\n                  <th>Total Interest<\/th>\r\n                  <th>Interest Saved<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n\r\n                  <td id=\"pla-s0-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s0-time\">\u2014<\/td>\r\n\r\n                  <td id=\"pla-s0-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s0-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"pla-s1-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s1-time\">\u2014<\/td>\r\n\r\n                  <td id=\"pla-s1-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s1-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"pla-s2-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s2-time\">\u2014<\/td>\r\n\r\n                  <td id=\"pla-s2-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s2-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"pla-s3-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s3-time\">\u2014<\/td>\r\n\r\n                  <td id=\"pla-s3-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"pla-s3-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n              <\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- CHART -->\r\n\r\n        <div class=\"pla-section\">\r\n\r\n          <div class=\"pla-section-heading\">\r\n\r\n            <h3>Loan Payoff Progress<\/h3>\r\n\r\n            <p>\r\n              Estimated remaining personal loan balance over time.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-chart\">\r\n\r\n            <canvas id=\"pla-chart-canvas\"><\/canvas>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCHEDULE -->\r\n\r\n        <div class=\"pla-section\">\r\n\r\n          <div class=\"pla-section-heading\">\r\n\r\n            <h3>Monthly Repayment Schedule<\/h3>\r\n\r\n            <p>\r\n              Estimated repayment, interest, principal and remaining\r\n              loan balance.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"pla-table-wrap pla-schedule\">\r\n\r\n            <table class=\"pla-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Month<\/th>\r\n                  <th>Repayment<\/th>\r\n                  <th>Interest<\/th>\r\n                  <th>Principal<\/th>\r\n                  <th>Remaining Balance<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n\r\n              <tbody id=\"pla-schedule-body\"><\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SAVINGS -->\r\n\r\n        <div class=\"pla-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>Potential Interest Savings<\/strong>\r\n\r\n            <small>\r\n              If you repay an additional $250 each month\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n\r\n          <span id=\"pla-saving-value\">$0.00<\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"pla-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides an estimate for educational purposes\r\n          only. Actual personal loan repayments and interest may differ\r\n          depending on your lender, loan contract, interest calculation\r\n          method, fees, repayment frequency, payment dates and other\r\n          conditions. Some lenders may charge fees or apply conditions\r\n          to additional repayments or early repayment. Check your loan\r\n          contract or contact your lender for the exact terms.\r\n\r\n          This calculator does not provide financial advice.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SEO CONTENT -->\r\n\r\n    <div class=\"pla-content\">\r\n\r\n      <h3>How to Use the Personal Loan Payoff Calculator<\/h3>\r\n\r\n      <p>\r\n        Enter your current personal loan balance, annual interest rate\r\n        and current monthly repayment. You can also enter an additional\r\n        monthly repayment to see how paying more could affect your\r\n        estimated payoff date and total interest.\r\n      <\/p>\r\n\r\n\r\n      <h3>How Personal Loan Interest Affects Repayments<\/h3>\r\n\r\n      <p>\r\n        Interest adds to the cost of borrowing and is generally calculated\r\n        according to the terms of your loan. As the outstanding balance\r\n        decreases, the interest component of repayments may also decrease.\r\n        Making additional repayments may reduce the outstanding principal\r\n        faster, depending on your loan conditions.\r\n      <\/p>\r\n\r\n\r\n      <h3>Can Extra Repayments Help Pay Off a Personal Loan Faster?<\/h3>\r\n\r\n      <p>\r\n        An additional repayment may reduce the time required to clear a\r\n        personal loan and may reduce total interest. However, borrowers\r\n        should check whether their lender allows extra repayments without\r\n        fees or restrictions. Compare the scenarios in this calculator\r\n        with your actual loan statement and loan contract.\r\n      <\/p>\r\n\r\n\r\n      <h3>Personal Loan Payoff vs Minimum Repayment<\/h3>\r\n\r\n      <p>\r\n        Use the repayment comparison section to see how different monthly\r\n        repayment amounts may change your estimated loan term and total\r\n        interest. The results are estimates and should not be treated as\r\n        an exact representation of your lender's repayment schedule.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n\/* =====================================================\r\n   PERSONAL LOAN PAYOFF CALCULATOR - AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#pla-au-calculator {\r\n\r\n  --pla-primary: #7C3AED;\r\n  --pla-primary-dark: #6D28D9;\r\n  --pla-primary-light: #F3E8FF;\r\n\r\n  --pla-text: #111827;\r\n  --pla-muted: #6B7280;\r\n\r\n  --pla-border: #E5E7EB;\r\n  --pla-bg: #F8FAFC;\r\n\r\n  --pla-green: #15803D;\r\n  --pla-green-bg: #F0FDF4;\r\n\r\n  --pla-red: #B91C1C;\r\n  --pla-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\r\n\r\n  margin: 30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color: var(--pla-text);\r\n\r\n  line-height: 1.5;\r\n}\r\n\r\n\r\n#pla-au-calculator *,\r\n#pla-au-calculator *::before,\r\n#pla-au-calculator *::after {\r\n\r\n  box-sizing: border-box;\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.pla-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n}\r\n\r\n\r\n.pla-badge {\r\n\r\n  display: inline-block;\r\n\r\n  padding: 6px 12px;\r\n\r\n  border-radius: 50px;\r\n\r\n  background:\r\n    var(--pla-primary-light);\r\n\r\n  color:\r\n    var(--pla-primary-dark);\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: .5px;\r\n\r\n  margin-bottom: 10px;\r\n}\r\n\r\n\r\n.pla-hero h2 {\r\n\r\n  margin:\r\n    0 0 10px;\r\n\r\n  font-size: 32px;\r\n\r\n  line-height: 1.2;\r\n}\r\n\r\n\r\n.pla-hero p {\r\n\r\n  max-width: 740px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-size: 15px;\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.pla-main {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    330px\r\n    1fr;\r\n\r\n  gap: 22px;\r\n\r\n  align-items: start;\r\n}\r\n\r\n\r\n\/* INPUT *\/\r\n\r\n.pla-input-card {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 14px;\r\n\r\n  padding: 22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px\r\n    rgba(0,0,0,.05);\r\n\r\n  position: sticky;\r\n\r\n  top: 20px;\r\n}\r\n\r\n\r\n.pla-input-card h3 {\r\n\r\n  margin:\r\n    0 0 20px;\r\n\r\n  font-size: 20px;\r\n}\r\n\r\n\r\n.pla-field {\r\n\r\n  margin-bottom: 17px;\r\n}\r\n\r\n\r\n.pla-field label {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 7px;\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n.pla-field label small {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-weight: 400;\r\n}\r\n\r\n\r\n.pla-input-wrap {\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  height: 48px;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  background: #fff;\r\n\r\n  overflow: hidden;\r\n}\r\n\r\n\r\n.pla-input-wrap:focus-within {\r\n\r\n  border-color:\r\n    var(--pla-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n}\r\n\r\n\r\n.pla-input-wrap span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-weight: 600;\r\n}\r\n\r\n\r\n.pla-input-wrap input {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n  border: 0;\r\n\r\n  outline: 0;\r\n\r\n  padding:\r\n    0 10px;\r\n\r\n  font-size: 16px;\r\n\r\n  color:\r\n    var(--pla-text);\r\n\r\n  background: transparent;\r\n}\r\n\r\n\r\n#pla-calculate {\r\n\r\n  width: 100%;\r\n\r\n  height: 50px;\r\n\r\n  border: 0;\r\n\r\n  border-radius: 8px;\r\n\r\n  background:\r\n    var(--pla-primary);\r\n\r\n  color: #fff;\r\n\r\n  font-size: 16px;\r\n\r\n  font-weight: 800;\r\n\r\n  cursor: pointer;\r\n\r\n  transition: .2s;\r\n}\r\n\r\n\r\n#pla-calculate:hover {\r\n\r\n  background:\r\n    var(--pla-primary-dark);\r\n}\r\n\r\n\r\n.pla-reset {\r\n\r\n  width: 100%;\r\n\r\n  height: 40px;\r\n\r\n  margin-top: 8px;\r\n\r\n  border: 0;\r\n\r\n  background: transparent;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  cursor: pointer;\r\n\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.pla-error {\r\n\r\n  display: none;\r\n\r\n  margin-bottom: 18px;\r\n\r\n  padding: 13px;\r\n\r\n  border-radius: 9px;\r\n\r\n  background:\r\n    var(--pla-red-bg);\r\n\r\n  color:\r\n    var(--pla-red);\r\n\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.pla-result-banner {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 15px;\r\n\r\n  padding: 23px;\r\n\r\n  border-radius: 14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--pla-primary),\r\n      var(--pla-primary-dark)\r\n    );\r\n\r\n  color: #fff;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n}\r\n\r\n\r\n.pla-result-banner span {\r\n\r\n  display: block;\r\n\r\n  font-size: 11px;\r\n\r\n  opacity: .8;\r\n\r\n  font-weight: 700;\r\n\r\n  margin-bottom: 5px;\r\n}\r\n\r\n\r\n.pla-result-banner strong {\r\n\r\n  display: block;\r\n\r\n  font-size: 24px;\r\n}\r\n\r\n\r\n.pla-banner-right {\r\n\r\n  text-align: right;\r\n}\r\n\r\n\r\n.pla-banner-right strong {\r\n\r\n  font-size: 21px;\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.pla-stat-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 12px;\r\n\r\n  margin-top: 14px;\r\n}\r\n\r\n\r\n.pla-stat {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  padding:\r\n    17px 10px;\r\n\r\n  text-align: center;\r\n}\r\n\r\n\r\n.pla-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-size: 12px;\r\n\r\n  margin-bottom: 5px;\r\n}\r\n\r\n\r\n.pla-stat strong {\r\n\r\n  font-size: 18px;\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.pla-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--pla-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--pla-primary);\r\n\r\n  border-radius: 9px;\r\n}\r\n\r\n\r\n.pla-summary h3 {\r\n\r\n  margin:\r\n    0 0 7px;\r\n\r\n  font-size: 18px;\r\n}\r\n\r\n\r\n.pla-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.pla-section {\r\n\r\n  margin-top: 25px;\r\n}\r\n\r\n\r\n.pla-section-heading h3 {\r\n\r\n  margin:\r\n    0 0 5px;\r\n\r\n  font-size: 20px;\r\n}\r\n\r\n\r\n.pla-section-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* TARGET *\/\r\n\r\n.pla-target-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(5,1fr);\r\n\r\n  gap: 10px;\r\n}\r\n\r\n\r\n.pla-target {\r\n\r\n  padding:\r\n    17px 8px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  text-align: center;\r\n}\r\n\r\n\r\n.pla-target span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-size: 12px;\r\n}\r\n\r\n\r\n.pla-target strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 5px;\r\n\r\n  font-size: 18px;\r\n\r\n  color:\r\n    var(--pla-primary);\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.pla-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 10px;\r\n}\r\n\r\n\r\n.pla-table {\r\n\r\n  width: 100%;\r\n\r\n  border-collapse:\r\n    collapse;\r\n\r\n  min-width: 600px;\r\n}\r\n\r\n\r\n.pla-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n  text-align: left;\r\n\r\n  padding: 12px;\r\n}\r\n\r\n\r\n.pla-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n.pla-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n}\r\n\r\n\r\n.pla-table td:last-child {\r\n\r\n  color:\r\n    var(--pla-primary-dark);\r\n\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.pla-chart {\r\n\r\n  width: 100%;\r\n\r\n  height: 300px;\r\n\r\n  padding: 15px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 10px;\r\n}\r\n\r\n\r\n#pla-chart-canvas {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n}\r\n\r\n\r\n\/* SAVINGS *\/\r\n\r\n.pla-saving-box {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  align-items: center;\r\n\r\n  gap: 15px;\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border:\r\n    1px solid\r\n    #BBF7D0;\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    var(--pla-green-bg);\r\n}\r\n\r\n\r\n.pla-saving-box strong {\r\n\r\n  display: block;\r\n}\r\n\r\n\r\n.pla-saving-box small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--pla-muted);\r\n}\r\n\r\n\r\n.pla-saving-box > span {\r\n\r\n  color:\r\n    var(--pla-green);\r\n\r\n  font-size: 24px;\r\n\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.pla-content {\r\n\r\n  margin-top: 30px;\r\n\r\n  padding: 25px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  border-radius: 14px;\r\n}\r\n\r\n\r\n.pla-content h3 {\r\n\r\n  margin:\r\n    0 0 9px;\r\n\r\n  font-size: 21px;\r\n}\r\n\r\n\r\n.pla-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 15px;\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.pla-disclaimer {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding-top: 18px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--pla-border);\r\n\r\n  color:\r\n    var(--pla-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n}\r\n\r\n\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .pla-main {\r\n\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .pla-input-card {\r\n\r\n    position: static;\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .pla-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n  }\r\n\r\n  .pla-target-grid {\r\n\r\n    grid-template-columns:\r\n      repeat(3,1fr);\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:550px) {\r\n\r\n  #pla-au-calculator {\r\n\r\n    margin:\r\n      15px auto;\r\n  }\r\n\r\n  .pla-hero h2 {\r\n\r\n    font-size: 26px;\r\n  }\r\n\r\n  .pla-result-banner {\r\n\r\n    flex-direction: column;\r\n  }\r\n\r\n  .pla-banner-right {\r\n\r\n    text-align: left;\r\n  }\r\n\r\n  .pla-target-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:400px) {\r\n\r\n  .pla-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n  }\r\n\r\n  .pla-target-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n  }\r\n\r\n  .pla-input-card {\r\n\r\n    padding:\r\n      17px;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  \/* ==========================\r\n     HELPER FUNCTIONS\r\n  ========================== *\/\r\n\r\n  function getNumber(id) {\r\n\r\n    var element =\r\n      document.getElementById(id);\r\n\r\n    if (!element) return 0;\r\n\r\n    var value =\r\n      parseFloat(element.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits: 2,\r\n          maximumFractionDigits: 2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function formatTime(months) {\r\n\r\n    if (!months) return \"\u2014\";\r\n\r\n\r\n    var years =\r\n      Math.floor(months \/ 12);\r\n\r\n    var remaining =\r\n      months % 12;\r\n\r\n\r\n    if (years === 0) {\r\n\r\n      return months +\r\n        (\r\n          months === 1\r\n            ? \" month\"\r\n            : \" months\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    if (remaining === 0) {\r\n\r\n      return years +\r\n        (\r\n          years === 1\r\n            ? \" year\"\r\n            : \" years\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    return years +\r\n      (\r\n        years === 1\r\n          ? \" year \"\r\n          : \" years \"\r\n      ) +\r\n      remaining +\r\n      (\r\n        remaining === 1\r\n          ? \" month\"\r\n          : \" months\"\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function payoffDate(months) {\r\n\r\n    var date =\r\n      new Date();\r\n\r\n    date.setMonth(\r\n      date.getMonth() + months\r\n    );\r\n\r\n\r\n    return date.toLocaleDateString(\r\n      \"en-AU\",\r\n      {\r\n        month: \"long\",\r\n        year: \"numeric\"\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     PAYOFF ENGINE\r\n  ========================== *\/\r\n\r\n  function calculatePayoff(\r\n    balance,\r\n    annualRate,\r\n    payment\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      payment <= 0\r\n    ) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var monthlyRate =\r\n      annualRate \/ 100 \/ 12;\r\n\r\n\r\n    var remaining =\r\n      balance;\r\n\r\n\r\n    var totalInterest = 0;\r\n\r\n    var months = 0;\r\n\r\n    var schedule = [];\r\n\r\n\r\n    \/* ZERO INTEREST *\/\r\n\r\n    if (monthlyRate === 0) {\r\n\r\n      while (\r\n        remaining > 0 &&\r\n        months < 1200\r\n      ) {\r\n\r\n        var actualPayment =\r\n          Math.min(\r\n            payment,\r\n            remaining\r\n          );\r\n\r\n\r\n        var principal =\r\n          actualPayment;\r\n\r\n\r\n        remaining -= principal;\r\n\r\n        months++;\r\n\r\n\r\n        schedule.push({\r\n\r\n          month: months,\r\n\r\n          payment:\r\n            actualPayment,\r\n\r\n          interest: 0,\r\n\r\n          principal:\r\n            principal,\r\n\r\n          balance:\r\n            Math.max(\r\n              0,\r\n              remaining\r\n            )\r\n\r\n        });\r\n\r\n      }\r\n\r\n\r\n      return {\r\n\r\n        months: months,\r\n\r\n        interest: 0,\r\n\r\n        total: balance,\r\n\r\n        schedule: schedule\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    \/* PAYMENT MUST EXCEED INTEREST *\/\r\n\r\n    var firstInterest =\r\n      balance * monthlyRate;\r\n\r\n\r\n    if (\r\n      payment <= firstInterest\r\n    ) {\r\n\r\n      return {\r\n\r\n        impossible: true,\r\n\r\n        firstInterest:\r\n          firstInterest\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    \/* MONTHLY REPAYMENT *\/\r\n\r\n    while (\r\n      remaining > 0 &&\r\n      months < 1200\r\n    ) {\r\n\r\n      var interest =\r\n        remaining *\r\n        monthlyRate;\r\n\r\n\r\n      var principal =\r\n        payment -\r\n        interest;\r\n\r\n\r\n      if (\r\n        principal <= 0\r\n      ) {\r\n\r\n        return {\r\n\r\n          impossible: true,\r\n\r\n          firstInterest:\r\n            firstInterest\r\n\r\n        };\r\n\r\n      }\r\n\r\n\r\n      var actualPayment =\r\n        payment;\r\n\r\n\r\n      if (\r\n        payment >=\r\n        remaining + interest\r\n      ) {\r\n\r\n        actualPayment =\r\n          remaining + interest;\r\n\r\n        principal =\r\n          remaining;\r\n\r\n        remaining = 0;\r\n\r\n      } else {\r\n\r\n        remaining -= principal;\r\n\r\n      }\r\n\r\n\r\n      totalInterest += interest;\r\n\r\n      months++;\r\n\r\n\r\n      schedule.push({\r\n\r\n        month:\r\n          months,\r\n\r\n        payment:\r\n          actualPayment,\r\n\r\n        interest:\r\n          interest,\r\n\r\n        principal:\r\n          principal,\r\n\r\n        balance:\r\n          Math.max(\r\n            0,\r\n            remaining\r\n          )\r\n\r\n      });\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      months >= 1200\r\n    ) {\r\n\r\n      return {\r\n\r\n        impossible: true\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months:\r\n        months,\r\n\r\n      interest:\r\n        totalInterest,\r\n\r\n      total:\r\n        balance + totalInterest,\r\n\r\n      schedule:\r\n        schedule\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     TARGET PAYMENT\r\n  ========================== *\/\r\n\r\n  function targetPayment(\r\n    balance,\r\n    annualRate,\r\n    months\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      months <= 0\r\n    ) {\r\n\r\n      return 0;\r\n\r\n    }\r\n\r\n\r\n    var monthlyRate =\r\n      annualRate \/ 100 \/ 12;\r\n\r\n\r\n    if (\r\n      monthlyRate === 0\r\n    ) {\r\n\r\n      return balance \/ months;\r\n\r\n    }\r\n\r\n\r\n    return (\r\n\r\n      balance *\r\n      monthlyRate *\r\n      Math.pow(\r\n        1 + monthlyRate,\r\n        months\r\n      )\r\n\r\n    ) \/ (\r\n\r\n      Math.pow(\r\n        1 + monthlyRate,\r\n        months\r\n      ) - 1\r\n\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     SCHEDULE\r\n  ========================== *\/\r\n\r\n  function renderSchedule(\r\n    schedule\r\n  ) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"pla-schedule-body\"\r\n      );\r\n\r\n\r\n    body.innerHTML = \"\";\r\n\r\n\r\n    var rows =\r\n      Math.min(\r\n        schedule.length,\r\n        60\r\n      );\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < rows;\r\n      i++\r\n    ) {\r\n\r\n      var row =\r\n        schedule[i];\r\n\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.month +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.payment) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.interest) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.principal) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.balance) +\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      schedule.length > 60\r\n    ) {\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        '<td colspan=\"5\" style=\"text-align:center;color:#6B7280;\">' +\r\n\r\n        \"Showing the first 60 months of the estimated repayment schedule.\" +\r\n\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     CHART\r\n  ========================== *\/\r\n\r\n  function drawChart(\r\n    schedule\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"pla-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas) return;\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\r\n        \"2d\"\r\n      );\r\n\r\n\r\n    var rect =\r\n      canvas.getBoundingClientRect();\r\n\r\n\r\n    var dpr =\r\n      window.devicePixelRatio || 1;\r\n\r\n\r\n    canvas.width =\r\n      rect.width * dpr;\r\n\r\n\r\n    canvas.height =\r\n      rect.height * dpr;\r\n\r\n\r\n    ctx.scale(\r\n      dpr,\r\n      dpr\r\n    );\r\n\r\n\r\n    var width =\r\n      rect.width;\r\n\r\n\r\n    var height =\r\n      rect.height;\r\n\r\n\r\n    ctx.clearRect(\r\n      0,\r\n      0,\r\n      width,\r\n      height\r\n    );\r\n\r\n\r\n    if (\r\n      !schedule ||\r\n      !schedule.length\r\n    ) {\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var maxBalance =\r\n      schedule[0].balance +\r\n      schedule[0].principal;\r\n\r\n\r\n    var padding = 35;\r\n\r\n\r\n    function x(index) {\r\n\r\n      return padding +\r\n        (\r\n          index \/\r\n          schedule.length\r\n        ) *\r\n        (\r\n          width -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    function y(value) {\r\n\r\n      return height -\r\n        padding -\r\n        (\r\n          value \/\r\n          maxBalance\r\n        ) *\r\n        (\r\n          height -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/* GRID *\/\r\n\r\n    ctx.strokeStyle =\r\n      \"#E5E7EB\";\r\n\r\n    ctx.lineWidth = 1;\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i <= 4;\r\n      i++\r\n    ) {\r\n\r\n      var gridY =\r\n        padding +\r\n        i *\r\n        (\r\n          (\r\n            height -\r\n            padding * 2\r\n          ) \/ 4\r\n        );\r\n\r\n\r\n      ctx.beginPath();\r\n\r\n      ctx.moveTo(\r\n        padding,\r\n        gridY\r\n      );\r\n\r\n      ctx.lineTo(\r\n        width - padding,\r\n        gridY\r\n      );\r\n\r\n      ctx.stroke();\r\n\r\n    }\r\n\r\n\r\n    \/* LINE *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    schedule.forEach(\r\n      function(row, index) {\r\n\r\n        var px =\r\n          x(index);\r\n\r\n        var py =\r\n          y(row.balance);\r\n\r\n\r\n        if (\r\n          index === 0\r\n        ) {\r\n\r\n          ctx.moveTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        } else {\r\n\r\n          ctx.lineTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    ctx.strokeStyle =\r\n      \"#7C3AED\";\r\n\r\n    ctx.lineWidth = 3;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* AREA *\/\r\n\r\n    ctx.lineTo(\r\n      x(schedule.length - 1),\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.lineTo(\r\n      padding,\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.closePath();\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"rgba(124,58,237,.10)\";\r\n\r\n    ctx.fill();\r\n\r\n\r\n    \/* LABELS *\/\r\n\r\n    ctx.fillStyle =\r\n      \"#6B7280\";\r\n\r\n    ctx.font =\r\n      \"11px Arial\";\r\n\r\n\r\n    ctx.fillText(\r\n      money(maxBalance),\r\n      4,\r\n      padding\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n      \"$0\",\r\n      4,\r\n      height - padding\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     MAIN CALCULATOR\r\n  ========================== *\/\r\n\r\n  function calculate() {\r\n\r\n    var balance =\r\n      getNumber(\r\n        \"pla-balance\"\r\n      );\r\n\r\n\r\n    var rate =\r\n      getNumber(\r\n        \"pla-rate\"\r\n      );\r\n\r\n\r\n    var payment =\r\n      getNumber(\r\n        \"pla-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      getNumber(\r\n        \"pla-extra\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"pla-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    if (\r\n      balance <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a loan balance greater than $0.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      rate < 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"The interest rate cannot be negative.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var monthlyPayment =\r\n      payment + extra;\r\n\r\n\r\n    if (\r\n      monthlyPayment <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a monthly repayment greater than $0.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var result =\r\n      calculatePayoff(\r\n        balance,\r\n        rate,\r\n        monthlyPayment\r\n      );\r\n\r\n\r\n    if (\r\n      result.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n\r\n        \"Your monthly repayment is not high enough to pay off this loan at the current interest rate. The estimated first month's interest is \" +\r\n\r\n        money(\r\n          result.firstInterest || 0\r\n        ) +\r\n\r\n        \". Increase your monthly repayment.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    \/* RESULTS *\/\r\n\r\n    document.getElementById(\r\n      \"pla-date\"\r\n    ).textContent =\r\n      payoffDate(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-time\"\r\n    ).textContent =\r\n      formatTime(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-interest\"\r\n    ).textContent =\r\n      money(\r\n        result.interest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-total\"\r\n    ).textContent =\r\n      money(\r\n        result.total\r\n      );\r\n\r\n\r\n    var firstInterest =\r\n      balance *\r\n      (\r\n        rate \/\r\n        100 \/\r\n        12\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-monthly-interest\"\r\n    ).textContent =\r\n      money(\r\n        firstInterest\r\n      );\r\n\r\n\r\n    var firstPrincipal =\r\n      Math.max(\r\n        0,\r\n        monthlyPayment -\r\n        firstInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-principal\"\r\n    ).textContent =\r\n      money(\r\n        firstPrincipal\r\n      );\r\n\r\n\r\n    \/* SUMMARY *\/\r\n\r\n    document.getElementById(\r\n      \"pla-summary-text\"\r\n    ).textContent =\r\n\r\n      \"With a monthly repayment of \" +\r\n\r\n      money(\r\n        monthlyPayment\r\n      ) +\r\n\r\n      \", you could repay your \" +\r\n\r\n      money(\r\n        balance\r\n      ) +\r\n\r\n      \" personal loan in approximately \" +\r\n\r\n      formatTime(\r\n        result.months\r\n      ) +\r\n\r\n      \". Estimated total interest would be \" +\r\n\r\n      money(\r\n        result.interest\r\n      ) +\r\n\r\n      \", assuming the interest rate and repayment remain unchanged and no additional fees or loan activity are added.\";\r\n\r\n\r\n    \/* TARGETS *\/\r\n\r\n    var targets = [\r\n\r\n      {\r\n        years: 1,\r\n        id: \"pla-target1\"\r\n      },\r\n\r\n      {\r\n        years: 2,\r\n        id: \"pla-target2\"\r\n      },\r\n\r\n      {\r\n        years: 3,\r\n        id: \"pla-target3\"\r\n      },\r\n\r\n      {\r\n        years: 5,\r\n        id: \"pla-target5\"\r\n      },\r\n\r\n      {\r\n        years: 7,\r\n        id: \"pla-target7\"\r\n      }\r\n\r\n    ];\r\n\r\n\r\n    targets.forEach(\r\n      function(item) {\r\n\r\n        var required =\r\n          targetPayment(\r\n            balance,\r\n            rate,\r\n            item.years * 12\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          item.id\r\n        ).textContent =\r\n          money(\r\n            required\r\n          );\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* SCENARIOS *\/\r\n\r\n    var scenarioPayments = [\r\n\r\n      monthlyPayment,\r\n\r\n      monthlyPayment + 50,\r\n\r\n      monthlyPayment + 100,\r\n\r\n      monthlyPayment + 250\r\n\r\n    ];\r\n\r\n\r\n    scenarioPayments.forEach(\r\n      function(p, index) {\r\n\r\n        var scenario =\r\n          calculatePayoff(\r\n            balance,\r\n            rate,\r\n            p\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"pla-s\" +\r\n          index +\r\n          \"-payment\"\r\n        ).textContent =\r\n          money(p);\r\n\r\n\r\n        if (\r\n          scenario &&\r\n          !scenario.impossible\r\n        ) {\r\n\r\n          document.getElementById(\r\n            \"pla-s\" +\r\n            index +\r\n            \"-time\"\r\n          ).textContent =\r\n            formatTime(\r\n              scenario.months\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"pla-s\" +\r\n            index +\r\n            \"-interest\"\r\n          ).textContent =\r\n            money(\r\n              scenario.interest\r\n            );\r\n\r\n\r\n          var saving =\r\n            Math.max(\r\n              0,\r\n              result.interest -\r\n              scenario.interest\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"pla-s\" +\r\n            index +\r\n            \"-saving\"\r\n          ).textContent =\r\n            money(\r\n              saving\r\n            );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* $250 EXTRA SAVINGS *\/\r\n\r\n    var plus250 =\r\n      calculatePayoff(\r\n        balance,\r\n        rate,\r\n        monthlyPayment + 250\r\n      );\r\n\r\n\r\n    var saving250 = 0;\r\n\r\n\r\n    if (\r\n      plus250 &&\r\n      !plus250.impossible\r\n    ) {\r\n\r\n      saving250 =\r\n        Math.max(\r\n          0,\r\n          result.interest -\r\n          plus250.interest\r\n        );\r\n\r\n    }\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-saving-value\"\r\n    ).textContent =\r\n      money(\r\n        saving250\r\n      );\r\n\r\n\r\n    \/* SCHEDULE *\/\r\n\r\n    renderSchedule(\r\n      result.schedule\r\n    );\r\n\r\n\r\n    \/* CHART *\/\r\n\r\n    drawChart(\r\n      result.schedule\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     RESET\r\n  ========================== *\/\r\n\r\n  function resetCalculator() {\r\n\r\n    document.getElementById(\r\n      \"pla-balance\"\r\n    ).value =\r\n      \"20000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-rate\"\r\n    ).value =\r\n      \"10.99\";\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-payment\"\r\n    ).value =\r\n      \"500\";\r\n\r\n\r\n    document.getElementById(\r\n      \"pla-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     EVENTS\r\n  ========================== *\/\r\n\r\n  document.getElementById(\r\n    \"pla-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"pla-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    resetCalculator\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#pla-au-calculator input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  \/* INITIAL CALCULATION *\/\r\n\r\n  calculate();\r\n\r\n\r\n  \/* REDRAW CHART *\/\r\n\r\n  window.addEventListener(\r\n    \"resize\",\r\n    function() {\r\n\r\n      var balance =\r\n        getNumber(\r\n          \"pla-balance\"\r\n        );\r\n\r\n\r\n      var rate =\r\n        getNumber(\r\n          \"pla-rate\"\r\n        );\r\n\r\n\r\n      var payment =\r\n        getNumber(\r\n          \"pla-payment\"\r\n        );\r\n\r\n\r\n      var extra =\r\n        getNumber(\r\n          \"pla-extra\"\r\n        );\r\n\r\n\r\n      if (\r\n        balance > 0\r\n      ) {\r\n\r\n        var result =\r\n          calculatePayoff(\r\n            balance,\r\n            rate,\r\n            payment + extra\r\n          );\r\n\r\n\r\n        if (\r\n          result &&\r\n          !result.impossible\r\n        ) {\r\n\r\n          drawChart(\r\n            result.schedule\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n\r\n    }\r\n  );\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The Personal Loan Payoff Calculator Australia is a free online tool that helps you estimate how long it may take to repay your personal loan and how much interest you could pay over the remaining loan period. Enter your current loan balance, annual interest rate, monthly repayment and any extra amount you plan to pay each month. The calculator estimates your expected payoff date, total interest, total repayments, first-month interest and principal, and shows how additional repayments could help reduce your repayment period. You can also compare different repayment amounts and see the estimated monthly repayment needed to clear your loan within 1, 2, 3, 5 or 7 years. The tool includes a monthly repayment schedule and visual loan-balance chart to make your repayment progress easier to understand. Australian personal loan costs can also include fees and lender-specific conditions, so actual results may differ from the estimate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Personal Loan Payoff Calculator Australia is a free online tool that helps you estimate how long it may take [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-715","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"The Personal Loan Payoff Calculator Australia is a free online tool that helps you estimate how long it may take [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/715","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=715"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/715\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}