{"id":722,"date":"2026-08-17T10:13:35","date_gmt":"2026-08-17T10:13:35","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=722"},"modified":"2026-08-17T10:14:14","modified_gmt":"2026-08-17T10:14:14","slug":"car-loan-payoff-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/car-loan-payoff-calculator-australia\/","title":{"rendered":"Car Loan Payoff Calculator Australia"},"content":{"rendered":"<div id=\"clp-au-calculator\">\r\n\r\n  <div class=\"clp-au-wrap\">\r\n\r\n    <div class=\"clp-au-hero\">\r\n      <div class=\"clp-au-badge\">AUSTRALIA CAR LOAN CALCULATOR<\/div>\r\n      <h2>Car Loan Payoff Calculator Australia<\/h2>\r\n      <p>\r\n        Calculate your estimated car loan payoff date, total interest,\r\n        repayments and potential savings from paying extra.\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <div class=\"clp-au-main\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"clp-au-input-card\">\r\n\r\n        <h3>Your Car Loan<\/h3>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-balance\">Current Loan Balance<\/label>\r\n          <div class=\"clp-au-input\">\r\n            <span>$<\/span>\r\n            <input type=\"number\" id=\"clp-au-balance\" value=\"30000\" min=\"0\" step=\"0.01\">\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-rate\">Annual Interest Rate<\/label>\r\n          <div class=\"clp-au-input clp-au-percent\">\r\n            <input type=\"number\" id=\"clp-au-rate\" value=\"7.5\" min=\"0\" step=\"0.01\">\r\n            <span>%<\/span>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-term\">Remaining Loan Term<\/label>\r\n          <div class=\"clp-au-term-row\">\r\n            <input type=\"number\" id=\"clp-au-term\" value=\"5\" min=\"1\" step=\"1\">\r\n            <select id=\"clp-au-term-unit\">\r\n              <option value=\"years\" selected>Years<\/option>\r\n              <option value=\"months\">Months<\/option>\r\n            <\/select>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-payment\">Current Monthly Repayment<\/label>\r\n          <div class=\"clp-au-input\">\r\n            <span>$<\/span>\r\n            <input type=\"number\" id=\"clp-au-payment\" value=\"600\" min=\"0\" step=\"0.01\">\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-extra\">\r\n            Extra Monthly Repayment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n          <div class=\"clp-au-input\">\r\n            <span>$<\/span>\r\n            <input type=\"number\" id=\"clp-au-extra\" value=\"0\" min=\"0\" step=\"0.01\">\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"clp-au-field\">\r\n          <label for=\"clp-au-balloon\">\r\n            Remaining Balloon Payment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n          <div class=\"clp-au-input\">\r\n            <span>$<\/span>\r\n            <input type=\"number\" id=\"clp-au-balloon\" value=\"0\" min=\"0\" step=\"0.01\">\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <button type=\"button\" id=\"clp-au-calculate\">\r\n          Calculate Payoff\r\n        <\/button>\r\n\r\n        <button type=\"button\" id=\"clp-au-reset\" class=\"clp-au-reset\">\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=\"clp-au-results\">\r\n\r\n        <div id=\"clp-au-error\" class=\"clp-au-error\"><\/div>\r\n\r\n        <div class=\"clp-au-result-banner\">\r\n\r\n          <div>\r\n            <span>ESTIMATED PAYOFF DATE<\/span>\r\n            <strong id=\"clp-au-date\">\u2014<\/strong>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-banner-right\">\r\n            <span>PAYOFF TIME<\/span>\r\n            <strong id=\"clp-au-time\">\u2014<\/strong>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"clp-au-stats\">\r\n\r\n          <div class=\"clp-au-stat\">\r\n            <span>Total Interest<\/span>\r\n            <strong id=\"clp-au-interest\">$0<\/strong>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-stat\">\r\n            <span>Total Repayments<\/span>\r\n            <strong id=\"clp-au-total\">$0<\/strong>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-stat\">\r\n            <span>First Month Interest<\/span>\r\n            <strong id=\"clp-au-month-interest\">$0<\/strong>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-stat\">\r\n            <span>First Month Principal<\/span>\r\n            <strong id=\"clp-au-principal\">$0<\/strong>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"clp-au-summary\">\r\n\r\n          <h3>Your Car Loan Payoff Summary<\/h3>\r\n\r\n          <p id=\"clp-au-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- TARGET PAYOFF -->\r\n\r\n        <div class=\"clp-au-section\">\r\n\r\n          <div class=\"clp-au-heading\">\r\n            <h3>Payment Needed to Reach Your Goal<\/h3>\r\n            <p>\r\n              Estimated monthly repayment required to clear the loan\r\n              within each target period.\r\n            <\/p>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-target-grid\">\r\n\r\n            <div class=\"clp-au-target\">\r\n              <span>1 Year<\/span>\r\n              <strong id=\"clp-au-target1\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"clp-au-target\">\r\n              <span>2 Years<\/span>\r\n              <strong id=\"clp-au-target2\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"clp-au-target\">\r\n              <span>3 Years<\/span>\r\n              <strong id=\"clp-au-target3\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"clp-au-target\">\r\n              <span>4 Years<\/span>\r\n              <strong id=\"clp-au-target4\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"clp-au-target\">\r\n              <span>5 Years<\/span>\r\n              <strong id=\"clp-au-target5\">$0<\/strong>\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- PAYMENT SCENARIOS -->\r\n\r\n        <div class=\"clp-au-section\">\r\n\r\n          <div class=\"clp-au-heading\">\r\n            <h3>What If You Pay More?<\/h3>\r\n            <p>\r\n              Compare your current repayment with higher monthly repayments.\r\n            <\/p>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-table-wrap\">\r\n\r\n            <table class=\"clp-au-table\">\r\n\r\n              <thead>\r\n                <tr>\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                <\/tr>\r\n              <\/thead>\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n                  <td id=\"clp-au-s0-payment\">$0<\/td>\r\n                  <td id=\"clp-au-s0-time\">\u2014<\/td>\r\n                  <td id=\"clp-au-s0-interest\">$0<\/td>\r\n                  <td id=\"clp-au-s0-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"clp-au-s1-payment\">$0<\/td>\r\n                  <td id=\"clp-au-s1-time\">\u2014<\/td>\r\n                  <td id=\"clp-au-s1-interest\">$0<\/td>\r\n                  <td id=\"clp-au-s1-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"clp-au-s2-payment\">$0<\/td>\r\n                  <td id=\"clp-au-s2-time\">\u2014<\/td>\r\n                  <td id=\"clp-au-s2-interest\">$0<\/td>\r\n                  <td id=\"clp-au-s2-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"clp-au-s3-payment\">$0<\/td>\r\n                  <td id=\"clp-au-s3-time\">\u2014<\/td>\r\n                  <td id=\"clp-au-s3-interest\">$0<\/td>\r\n                  <td id=\"clp-au-s3-saving\">$0<\/td>\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=\"clp-au-section\">\r\n\r\n          <div class=\"clp-au-heading\">\r\n            <h3>Car Loan Balance Progress<\/h3>\r\n            <p>\r\n              Estimated remaining balance over the repayment period.\r\n            <\/p>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-chart\">\r\n            <canvas id=\"clp-au-chart-canvas\"><\/canvas>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCHEDULE -->\r\n\r\n        <div class=\"clp-au-section\">\r\n\r\n          <div class=\"clp-au-heading\">\r\n            <h3>Monthly Car Loan Repayment Schedule<\/h3>\r\n            <p>\r\n              Estimated repayment, interest, principal and remaining balance.\r\n            <\/p>\r\n          <\/div>\r\n\r\n          <div class=\"clp-au-table-wrap clp-au-schedule\">\r\n\r\n            <table class=\"clp-au-table\">\r\n\r\n              <thead>\r\n                <tr>\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                <\/tr>\r\n              <\/thead>\r\n\r\n              <tbody id=\"clp-au-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=\"clp-au-saving-box\">\r\n\r\n          <div>\r\n            <strong>Potential Interest Savings<\/strong>\r\n            <small>\r\n              If you pay an additional $250 per month\r\n            <\/small>\r\n          <\/div>\r\n\r\n          <span id=\"clp-au-saving-value\">$0<\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"clp-au-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n          This calculator provides estimates for educational purposes only.\r\n          Actual car loan interest and repayments can vary depending on the\r\n          lender, loan contract, repayment frequency, fees, interest\r\n          calculation method, balloon payment, early repayment conditions\r\n          and other loan terms. Check your loan contract and lender\r\n          information for exact figures. This calculator is not financial\r\n          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=\"clp-au-content\">\r\n\r\n      <h3>How to Use the Car Loan Payoff Calculator Australia<\/h3>\r\n\r\n      <p>\r\n        Enter your current car loan balance, annual interest rate,\r\n        remaining loan term and current monthly repayment. You can also\r\n        enter an extra monthly repayment and any remaining balloon\r\n        payment. The calculator estimates your payoff date, total\r\n        interest, total repayments and how quickly you could repay the\r\n        loan.\r\n      <\/p>\r\n\r\n      <h3>Can Extra Car Loan Repayments Save Money?<\/h3>\r\n\r\n      <p>\r\n        Making additional repayments may reduce the outstanding principal\r\n        faster and can potentially reduce the interest paid over the life\r\n        of a loan. Use the comparison table to see how paying an extra\r\n        $50, $100 or $250 per month could change your estimated payoff\r\n        period and interest cost.\r\n      <\/p>\r\n\r\n      <h3>What Is a Balloon Payment?<\/h3>\r\n\r\n      <p>\r\n        Some Australian car finance arrangements include a balloon or\r\n        residual payment due at the end of the loan. Enter the remaining\r\n        balloon amount if applicable so the calculator can include it in\r\n        the estimated repayment calculation. Always check your finance\r\n        contract for the exact balloon amount and repayment conditions.\r\n      <\/p>\r\n\r\n      <h3>Should You Pay Off Your Car Loan Early?<\/h3>\r\n\r\n      <p>\r\n        Paying a car loan faster may reduce interest costs, but the\r\n        decision depends on your interest rate, loan conditions, available\r\n        savings, other debts and financial goals. Compare different\r\n        repayment amounts before deciding how much extra to contribute.\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   CAR LOAN PAYOFF CALCULATOR AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#clp-au-calculator {\r\n\r\n  --clp-primary: #7C3AED;\r\n  --clp-primary-dark: #6D28D9;\r\n  --clp-primary-light: #F3E8FF;\r\n\r\n  --clp-text: #111827;\r\n  --clp-muted: #6B7280;\r\n\r\n  --clp-border: #E5E7EB;\r\n  --clp-green: #15803D;\r\n  --clp-green-bg: #F0FDF4;\r\n\r\n  --clp-red: #B91C1C;\r\n  --clp-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\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(--clp-text);\r\n  line-height: 1.5;\r\n}\r\n\r\n#clp-au-calculator *,\r\n#clp-au-calculator *::before,\r\n#clp-au-calculator *::after {\r\n  box-sizing: border-box;\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.clp-au-hero {\r\n  text-align: center;\r\n  margin-bottom: 25px;\r\n}\r\n\r\n.clp-au-badge {\r\n  display: inline-block;\r\n  padding: 6px 12px;\r\n  border-radius: 50px;\r\n  background: var(--clp-primary-light);\r\n  color: var(--clp-primary-dark);\r\n  font-size: 11px;\r\n  font-weight: 800;\r\n  letter-spacing: .5px;\r\n  margin-bottom: 10px;\r\n}\r\n\r\n.clp-au-hero h2 {\r\n  margin: 0 0 10px;\r\n  font-size: 32px;\r\n  line-height: 1.2;\r\n}\r\n\r\n.clp-au-hero p {\r\n  max-width: 720px;\r\n  margin: auto;\r\n  color: var(--clp-muted);\r\n  font-size: 15px;\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.clp-au-main {\r\n  display: grid;\r\n  grid-template-columns: 330px 1fr;\r\n  gap: 22px;\r\n  align-items: start;\r\n}\r\n\r\n\r\n\/* INPUT *\/\r\n\r\n.clp-au-input-card {\r\n  background: #fff;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 14px;\r\n  padding: 22px;\r\n  box-shadow: 0 4px 18px rgba(0,0,0,.05);\r\n  position: sticky;\r\n  top: 20px;\r\n}\r\n\r\n.clp-au-input-card h3 {\r\n  margin: 0 0 20px;\r\n  font-size: 20px;\r\n}\r\n\r\n.clp-au-field {\r\n  margin-bottom: 17px;\r\n}\r\n\r\n.clp-au-field label {\r\n  display: block;\r\n  margin-bottom: 7px;\r\n  font-size: 13px;\r\n  font-weight: 700;\r\n}\r\n\r\n.clp-au-field label small {\r\n  float: right;\r\n  color: var(--clp-muted);\r\n  font-weight: 400;\r\n}\r\n\r\n.clp-au-input {\r\n  display: flex;\r\n  align-items: center;\r\n  height: 48px;\r\n  border: 1px solid #D1D5DB;\r\n  border-radius: 8px;\r\n  background: #fff;\r\n  overflow: hidden;\r\n}\r\n\r\n.clp-au-input:focus-within {\r\n  border-color: var(--clp-primary);\r\n  box-shadow: 0 0 0 3px rgba(124,58,237,.12);\r\n}\r\n\r\n.clp-au-input span {\r\n  padding: 0 12px;\r\n  color: var(--clp-muted);\r\n  font-weight: 600;\r\n}\r\n\r\n.clp-au-input input {\r\n  width: 100%;\r\n  height: 100%;\r\n  border: 0;\r\n  outline: 0;\r\n  padding: 0 10px;\r\n  font-size: 16px;\r\n  color: var(--clp-text);\r\n  background: transparent;\r\n}\r\n\r\n.clp-au-term-row {\r\n  display: grid;\r\n  grid-template-columns: 1fr 1fr;\r\n  height: 48px;\r\n  gap: 8px;\r\n}\r\n\r\n.clp-au-term-row input,\r\n.clp-au-term-row select {\r\n  width: 100%;\r\n  height: 48px;\r\n  border: 1px solid #D1D5DB;\r\n  border-radius: 8px;\r\n  padding: 0 10px;\r\n  font-size: 15px;\r\n  background: #fff;\r\n  color: var(--clp-text);\r\n}\r\n\r\n.clp-au-term-row input:focus,\r\n.clp-au-term-row select:focus {\r\n  outline: none;\r\n  border-color: var(--clp-primary);\r\n}\r\n\r\n#clp-au-calculate {\r\n  width: 100%;\r\n  height: 50px;\r\n  border: 0;\r\n  border-radius: 8px;\r\n  background: var(--clp-primary);\r\n  color: #fff;\r\n  font-size: 16px;\r\n  font-weight: 800;\r\n  cursor: pointer;\r\n  transition: .2s;\r\n}\r\n\r\n#clp-au-calculate:hover {\r\n  background: var(--clp-primary-dark);\r\n}\r\n\r\n.clp-au-reset {\r\n  width: 100%;\r\n  height: 40px;\r\n  margin-top: 8px;\r\n  border: 0;\r\n  background: transparent;\r\n  color: var(--clp-muted);\r\n  cursor: pointer;\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.clp-au-error {\r\n  display: none;\r\n  margin-bottom: 18px;\r\n  padding: 13px;\r\n  border-radius: 9px;\r\n  background: var(--clp-red-bg);\r\n  color: var(--clp-red);\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.clp-au-result-banner {\r\n  display: flex;\r\n  justify-content: space-between;\r\n  gap: 15px;\r\n  padding: 23px;\r\n  border-radius: 14px;\r\n  background: linear-gradient(\r\n    135deg,\r\n    var(--clp-primary),\r\n    var(--clp-primary-dark)\r\n  );\r\n  color: #fff;\r\n  box-shadow: 0 8px 25px rgba(124,58,237,.22);\r\n}\r\n\r\n.clp-au-result-banner span {\r\n  display: block;\r\n  font-size: 11px;\r\n  opacity: .8;\r\n  font-weight: 700;\r\n  margin-bottom: 5px;\r\n}\r\n\r\n.clp-au-result-banner strong {\r\n  display: block;\r\n  font-size: 24px;\r\n}\r\n\r\n.clp-au-banner-right {\r\n  text-align: right;\r\n}\r\n\r\n.clp-au-banner-right strong {\r\n  font-size: 21px;\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.clp-au-stats {\r\n  display: grid;\r\n  grid-template-columns: repeat(4,1fr);\r\n  gap: 12px;\r\n  margin-top: 14px;\r\n}\r\n\r\n.clp-au-stat {\r\n  background: #fff;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 10px;\r\n  padding: 17px 10px;\r\n  text-align: center;\r\n}\r\n\r\n.clp-au-stat span {\r\n  display: block;\r\n  color: var(--clp-muted);\r\n  font-size: 12px;\r\n  margin-bottom: 5px;\r\n}\r\n\r\n.clp-au-stat strong {\r\n  font-size: 18px;\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.clp-au-summary {\r\n  margin-top: 15px;\r\n  padding: 19px;\r\n  background: var(--clp-primary-light);\r\n  border-left: 4px solid var(--clp-primary);\r\n  border-radius: 9px;\r\n}\r\n\r\n.clp-au-summary h3 {\r\n  margin: 0 0 7px;\r\n  font-size: 18px;\r\n}\r\n\r\n.clp-au-summary p {\r\n  margin: 0;\r\n  font-size: 14px;\r\n}\r\n\r\n\r\n\/* SECTION *\/\r\n\r\n.clp-au-section {\r\n  margin-top: 25px;\r\n}\r\n\r\n.clp-au-heading h3 {\r\n  margin: 0 0 5px;\r\n  font-size: 20px;\r\n}\r\n\r\n.clp-au-heading p {\r\n  margin: 0 0 14px;\r\n  color: var(--clp-muted);\r\n  font-size: 13px;\r\n}\r\n\r\n\r\n\/* TARGET *\/\r\n\r\n.clp-au-target-grid {\r\n  display: grid;\r\n  grid-template-columns: repeat(5,1fr);\r\n  gap: 10px;\r\n}\r\n\r\n.clp-au-target {\r\n  padding: 17px 8px;\r\n  background: #fff;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 10px;\r\n  text-align: center;\r\n}\r\n\r\n.clp-au-target span {\r\n  display: block;\r\n  color: var(--clp-muted);\r\n  font-size: 12px;\r\n}\r\n\r\n.clp-au-target strong {\r\n  display: block;\r\n  margin-top: 5px;\r\n  font-size: 18px;\r\n  color: var(--clp-primary);\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.clp-au-table-wrap {\r\n  overflow-x: auto;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 10px;\r\n}\r\n\r\n.clp-au-table {\r\n  width: 100%;\r\n  border-collapse: collapse;\r\n  min-width: 600px;\r\n}\r\n\r\n.clp-au-table th {\r\n  background: #F9FAFB;\r\n  font-size: 12px;\r\n  font-weight: 800;\r\n  text-align: left;\r\n  padding: 12px;\r\n}\r\n\r\n.clp-au-table td {\r\n  padding: 12px;\r\n  border-top: 1px solid var(--clp-border);\r\n  font-size: 13px;\r\n}\r\n\r\n.clp-au-table tbody tr:hover {\r\n  background: #FAF5FF;\r\n}\r\n\r\n.clp-au-table td:last-child {\r\n  color: var(--clp-primary-dark);\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.clp-au-chart {\r\n  width: 100%;\r\n  height: 300px;\r\n  padding: 15px;\r\n  background: #fff;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 10px;\r\n}\r\n\r\n#clp-au-chart-canvas {\r\n  width: 100%;\r\n  height: 100%;\r\n}\r\n\r\n\r\n\/* SAVINGS *\/\r\n\r\n.clp-au-saving-box {\r\n  display: flex;\r\n  justify-content: space-between;\r\n  align-items: center;\r\n  gap: 15px;\r\n  margin-top: 25px;\r\n  padding: 20px;\r\n  border: 1px solid #BBF7D0;\r\n  border-radius: 11px;\r\n  background: var(--clp-green-bg);\r\n}\r\n\r\n.clp-au-saving-box strong {\r\n  display: block;\r\n}\r\n\r\n.clp-au-saving-box small {\r\n  display: block;\r\n  margin-top: 4px;\r\n  color: var(--clp-muted);\r\n}\r\n\r\n.clp-au-saving-box > span {\r\n  color: var(--clp-green);\r\n  font-size: 24px;\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.clp-au-content {\r\n  margin-top: 30px;\r\n  padding: 25px;\r\n  background: #fff;\r\n  border: 1px solid var(--clp-border);\r\n  border-radius: 14px;\r\n}\r\n\r\n.clp-au-content h3 {\r\n  margin: 0 0 9px;\r\n  font-size: 21px;\r\n}\r\n\r\n.clp-au-content p {\r\n  margin: 0 0 25px;\r\n  color: #4B5563;\r\n  font-size: 15px;\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.clp-au-disclaimer {\r\n  margin-top: 25px;\r\n  padding-top: 18px;\r\n  border-top: 1px solid var(--clp-border);\r\n  color: var(--clp-muted);\r\n  font-size: 11px;\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  .clp-au-main {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .clp-au-input-card {\r\n    position: static;\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .clp-au-stats {\r\n    grid-template-columns: 1fr 1fr;\r\n  }\r\n\r\n  .clp-au-target-grid {\r\n    grid-template-columns: repeat(3,1fr);\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:550px) {\r\n\r\n  .clp-au-hero h2 {\r\n    font-size: 26px;\r\n  }\r\n\r\n  .clp-au-result-banner {\r\n    flex-direction: column;\r\n  }\r\n\r\n  .clp-au-banner-right {\r\n    text-align: left;\r\n  }\r\n\r\n  .clp-au-target-grid {\r\n    grid-template-columns: 1fr 1fr;\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:400px) {\r\n\r\n  .clp-au-stats {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .clp-au-target-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .clp-au-input-card {\r\n    padding: 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     HELPERS\r\n  ========================= *\/\r\n\r\n  function getNumber(id) {\r\n\r\n    var el = document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value = parseFloat(el.value);\r\n\r\n    return isFinite(value) ? value : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n      return \"$0.00\";\r\n    }\r\n\r\n    return \"$\" + value.toLocaleString(\"en-AU\", {\r\n      minimumFractionDigits: 2,\r\n      maximumFractionDigits: 2\r\n    });\r\n\r\n  }\r\n\r\n\r\n  function timeText(months) {\r\n\r\n    if (!months) return \"\u2014\";\r\n\r\n    var years = Math.floor(months \/ 12);\r\n    var remaining = months % 12;\r\n\r\n    if (years === 0) {\r\n\r\n      return months +\r\n        (months === 1 ? \" month\" : \" months\");\r\n\r\n    }\r\n\r\n    if (remaining === 0) {\r\n\r\n      return years +\r\n        (years === 1 ? \" year\" : \" years\");\r\n\r\n    }\r\n\r\n    return years +\r\n      (years === 1 ? \" year \" : \" years \") +\r\n      remaining +\r\n      (remaining === 1 ? \" month\" : \" months\");\r\n\r\n  }\r\n\r\n\r\n  function payoffDate(months) {\r\n\r\n    var date = new Date();\r\n\r\n    date.setMonth(\r\n      date.getMonth() + months\r\n    );\r\n\r\n    return date.toLocaleDateString(\"en-AU\", {\r\n      day: \"numeric\",\r\n      month: \"long\",\r\n      year: \"numeric\"\r\n    });\r\n\r\n  }\r\n\r\n\r\n  \/* =========================\r\n     LOAN CALCULATION\r\n  ========================= *\/\r\n\r\n  function calculateLoan(\r\n    balance,\r\n    rate,\r\n    payment,\r\n    balloon\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    if (balloon < 0) {\r\n      balloon = 0;\r\n    }\r\n\r\n\r\n    if (balloon >= balance) {\r\n\r\n      return {\r\n        impossible: true,\r\n        message:\r\n          \"The balloon payment cannot be equal to or greater than the current loan balance.\"\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var monthlyRate =\r\n      rate \/ 100 \/ 12;\r\n\r\n    var remaining = balance;\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 > balloon &&\r\n        months < 1200\r\n      ) {\r\n\r\n        var principal =\r\n          Math.min(\r\n            payment,\r\n            remaining - balloon\r\n          );\r\n\r\n        remaining -= principal;\r\n\r\n        months++;\r\n\r\n        schedule.push({\r\n\r\n          month: months,\r\n          payment: principal,\r\n          interest: 0,\r\n          principal: principal,\r\n          balance: Math.max(\r\n            balloon,\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        interest: 0,\r\n        total: balance,\r\n        balloon: balloon,\r\n        schedule: schedule\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var firstInterest =\r\n      balance * monthlyRate;\r\n\r\n\r\n    if (payment <= firstInterest) {\r\n\r\n      return {\r\n\r\n        impossible: true,\r\n\r\n        firstInterest: firstInterest\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    while (\r\n      remaining > balloon &&\r\n      months < 1200\r\n    ) {\r\n\r\n      var interest =\r\n        remaining * monthlyRate;\r\n\r\n\r\n      var amountNeeded =\r\n        remaining - balloon;\r\n\r\n\r\n      var principal =\r\n        payment - interest;\r\n\r\n\r\n      if (principal <= 0) {\r\n\r\n        return {\r\n\r\n          impossible: true,\r\n\r\n          firstInterest: 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 (principal >= amountNeeded) {\r\n\r\n        principal =\r\n          amountNeeded;\r\n\r\n        actualPayment =\r\n          principal + interest;\r\n\r\n        remaining =\r\n          balloon;\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: months,\r\n\r\n        payment: actualPayment,\r\n\r\n        interest: interest,\r\n\r\n        principal: principal,\r\n\r\n        balance: Math.max(\r\n          balloon,\r\n          remaining\r\n        )\r\n\r\n      });\r\n\r\n    }\r\n\r\n\r\n    \/*\r\n     * Balloon payment is due after\r\n     * the regular repayment period.\r\n     *\/\r\n\r\n    if (\r\n      remaining > 0 &&\r\n      remaining <= balloon\r\n    ) {\r\n\r\n      months++;\r\n\r\n      schedule.push({\r\n\r\n        month: months,\r\n\r\n        payment: remaining,\r\n\r\n        interest: 0,\r\n\r\n        principal: remaining,\r\n\r\n        balance: 0,\r\n\r\n        balloon: true\r\n\r\n      });\r\n\r\n      remaining = 0;\r\n\r\n    }\r\n\r\n\r\n    if (months >= 1200) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months: months,\r\n\r\n      interest: totalInterest,\r\n\r\n      total:\r\n        balance +\r\n        totalInterest,\r\n\r\n      balloon: balloon,\r\n\r\n      schedule: 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    rate,\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      rate \/ 100 \/ 12;\r\n\r\n\r\n    if (monthlyRate === 0) {\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(schedule) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"clp-au-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(\"tr\");\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.month +\r\n        (row.balloon\r\n          ? \" (Balloon)\"\r\n          : \"\") +\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(\"tr\");\r\n\r\n\r\n      tr.innerHTML =\r\n        '<td colspan=\"5\" style=\"text-align:center;color:#6B7280;\">' +\r\n        \"Showing the first 60 months of the estimated schedule.\" +\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(schedule) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"clp-au-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas || !schedule.length) {\r\n      return;\r\n    }\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\"2d\");\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(dpr, dpr);\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    var max =\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        (index \/\r\n          Math.max(\r\n            1,\r\n            schedule.length - 1\r\n          )) *\r\n        (width - padding * 2);\r\n\r\n    }\r\n\r\n\r\n    function y(value) {\r\n\r\n      return height -\r\n        padding -\r\n        (value \/ max) *\r\n        (height - padding * 2);\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 gy =\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        gy\r\n      );\r\n\r\n      ctx.lineTo(\r\n        width - padding,\r\n        gy\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 (index === 0) {\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    ctx.lineTo(\r\n      padding,\r\n      height - padding\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    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(max),\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 CALCULATION\r\n  ========================= *\/\r\n\r\n  function calculate() {\r\n\r\n    var balance =\r\n      getNumber(\r\n        \"clp-au-balance\"\r\n      );\r\n\r\n\r\n    var rate =\r\n      getNumber(\r\n        \"clp-au-rate\"\r\n      );\r\n\r\n\r\n    var term =\r\n      getNumber(\r\n        \"clp-au-term\"\r\n      );\r\n\r\n\r\n    var termUnit =\r\n      document.getElementById(\r\n        \"clp-au-term-unit\"\r\n      ).value;\r\n\r\n\r\n    var payment =\r\n      getNumber(\r\n        \"clp-au-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      getNumber(\r\n        \"clp-au-extra\"\r\n      );\r\n\r\n\r\n    var balloon =\r\n      getNumber(\r\n        \"clp-au-balloon\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"clp-au-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    if (balance <= 0) {\r\n\r\n      error.textContent =\r\n        \"Please enter a current 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 (rate < 0) {\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    if (term <= 0) {\r\n\r\n      error.textContent =\r\n        \"Please enter a remaining loan term.\";\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 (termUnit === \"years\") {\r\n\r\n      term =\r\n        Math.round(\r\n          term * 12\r\n        );\r\n\r\n    } else {\r\n\r\n      term =\r\n        Math.round(term);\r\n\r\n    }\r\n\r\n\r\n    var monthlyPayment =\r\n      payment + extra;\r\n\r\n\r\n    if (monthlyPayment <= 0) {\r\n\r\n      error.textContent =\r\n        \"Please enter a current 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    if (balloon >= balance) {\r\n\r\n      error.textContent =\r\n        \"The balloon payment must be less than the current loan balance.\";\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      calculateLoan(\r\n        balance,\r\n        rate,\r\n        monthlyPayment,\r\n        balloon\r\n      );\r\n\r\n\r\n    if (result.impossible) {\r\n\r\n      error.textContent =\r\n        result.message ||\r\n        (\r\n          \"Your monthly repayment may be too low to repay the loan. \" +\r\n          \"The estimated first month's interest is \" +\r\n          money(\r\n            result.firstInterest || 0\r\n          ) +\r\n          \".\"\r\n        );\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      \"clp-au-date\"\r\n    ).textContent =\r\n      payoffDate(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-time\"\r\n    ).textContent =\r\n      timeText(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-interest\"\r\n    ).textContent =\r\n      money(\r\n        result.interest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-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      \"clp-au-month-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      \"clp-au-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      \"clp-au-summary-text\"\r\n    ).textContent =\r\n\r\n      \"With a monthly repayment of \" +\r\n      money(monthlyPayment) +\r\n      \", you could repay approximately \" +\r\n      money(balance) +\r\n      \" of car loan debt in \" +\r\n      timeText(result.months) +\r\n      \". The estimated total interest is \" +\r\n      money(result.interest) +\r\n      \". \" +\r\n      (\r\n        balloon > 0\r\n        ? \"The calculation includes a remaining balloon payment of \" +\r\n          money(balloon) +\r\n          \".\"\r\n        : \"No balloon payment has been included.\"\r\n      );\r\n\r\n\r\n    \/* TARGET PAYMENTS *\/\r\n\r\n    var targets = [\r\n      {\r\n        years: 1,\r\n        id: \"clp-au-target1\"\r\n      },\r\n      {\r\n        years: 2,\r\n        id: \"clp-au-target2\"\r\n      },\r\n      {\r\n        years: 3,\r\n        id: \"clp-au-target3\"\r\n      },\r\n      {\r\n        years: 4,\r\n        id: \"clp-au-target4\"\r\n      },\r\n      {\r\n        years: 5,\r\n        id: \"clp-au-target5\"\r\n      }\r\n    ];\r\n\r\n\r\n    targets.forEach(\r\n      function(item) {\r\n\r\n        var target =\r\n          targetPayment(\r\n            Math.max(\r\n              0,\r\n              balance - balloon\r\n            ),\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(target);\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          calculateLoan(\r\n            balance,\r\n            rate,\r\n            p,\r\n            balloon\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"clp-au-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            \"clp-au-s\" +\r\n            index +\r\n            \"-time\"\r\n          ).textContent =\r\n            timeText(\r\n              scenario.months\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"clp-au-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 saved =\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            \"clp-au-s\" +\r\n            index +\r\n            \"-saving\"\r\n          ).textContent =\r\n            money(saved);\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* $250 SAVINGS *\/\r\n\r\n    var plus250 =\r\n      calculateLoan(\r\n        balance,\r\n        rate,\r\n        monthlyPayment + 250,\r\n        balloon\r\n      );\r\n\r\n\r\n    var saving = 0;\r\n\r\n\r\n    if (\r\n      plus250 &&\r\n      !plus250.impossible\r\n    ) {\r\n\r\n      saving =\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      \"clp-au-saving-value\"\r\n    ).textContent =\r\n      money(saving);\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      \"clp-au-balance\"\r\n    ).value =\r\n      \"30000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-rate\"\r\n    ).value =\r\n      \"7.5\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-term\"\r\n    ).value =\r\n      \"5\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-term-unit\"\r\n    ).value =\r\n      \"years\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-payment\"\r\n    ).value =\r\n      \"600\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"clp-au-balloon\"\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    \"clp-au-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"clp-au-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    resetCalculator\r\n  );\r\n\r\n\r\n  document.querySelectorAll(\r\n    \"#clp-au-calculator input\"\r\n  ).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 *\/\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          \"clp-au-balance\"\r\n        );\r\n\r\n\r\n      var rate =\r\n        getNumber(\r\n          \"clp-au-rate\"\r\n        );\r\n\r\n\r\n      var payment =\r\n        getNumber(\r\n          \"clp-au-payment\"\r\n        );\r\n\r\n\r\n      var extra =\r\n        getNumber(\r\n          \"clp-au-extra\"\r\n        );\r\n\r\n\r\n      var balloon =\r\n        getNumber(\r\n          \"clp-au-balloon\"\r\n        );\r\n\r\n\r\n      if (balance > 0) {\r\n\r\n        var result =\r\n          calculateLoan(\r\n            balance,\r\n            rate,\r\n            payment + extra,\r\n            balloon\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;\"><strong>Car Loan Payoff Calculator Australia<\/strong> is a free online tool that helps Australian borrowers estimate how long it may take to pay off their car loan and how much interest they could pay. Enter your current loan balance, annual interest rate, remaining loan term, current monthly repayment, and any extra amount you plan to pay each month. You can also include a balloon payment if your car finance agreement has one. The calculator estimates your expected payoff date, total interest, total repayments, first-month interest and principal, and provides a detailed monthly repayment schedule. You can compare different repayment amounts to see how paying an additional $50, $100, or $250 per month may reduce your loan term and interest costs. It also shows estimated repayments for 1-, 2-, 3-, 4-, and 5-year payoff goals. Results are estimates for educational purposes only and may differ from your lender\u2019s actual calculations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car Loan Payoff Calculator Australia is a free online tool that helps Australian borrowers 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-722","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":"Car Loan Payoff Calculator Australia is a free online tool that helps Australian borrowers estimate how long it may take [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/722","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=722"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/722\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}