{"id":747,"date":"2026-08-17T10:49:02","date_gmt":"2026-08-17T10:49:02","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=747"},"modified":"2026-08-17T10:50:34","modified_gmt":"2026-08-17T10:50:34","slug":"home-loan-vs-extra-repayment-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/home-loan-vs-extra-repayment-calculator-australia\/","title":{"rendered":"Home Loan vs Extra Repayment Calculator Australia"},"content":{"rendered":"<div id=\"hlx-au-calculator\">\r\n\r\n  <div class=\"hlx-container\">\r\n\r\n    <div class=\"hlx-hero\">\r\n      <div class=\"hlx-badge\">AUSTRALIA HOME LOAN CALCULATOR<\/div>\r\n\r\n      <h2>Home Loan vs Extra Repayment Calculator<\/h2>\r\n\r\n      <p>\r\n        See how making extra repayments could reduce your home loan\r\n        interest and help you pay off your mortgage sooner.\r\n      <\/p>\r\n    <\/div>\r\n\r\n\r\n    <div class=\"hlx-main\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"hlx-input-panel\">\r\n\r\n        <h3>Your Home Loan<\/h3>\r\n\r\n        <div class=\"hlx-field\">\r\n\r\n          <label for=\"hlx-balance\">\r\n            Current Home Loan Balance\r\n          <\/label>\r\n\r\n          <div class=\"hlx-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hlx-balance\"\r\n              value=\"500000\"\r\n              min=\"0\"\r\n              step=\"100\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hlx-field\">\r\n\r\n          <label for=\"hlx-rate\">\r\n            Interest Rate\r\n          <\/label>\r\n\r\n          <div class=\"hlx-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hlx-rate\"\r\n              value=\"6.0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hlx-field\">\r\n\r\n          <label for=\"hlx-years\">\r\n            Years Remaining\r\n          <\/label>\r\n\r\n          <div class=\"hlx-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hlx-years\"\r\n              value=\"25\"\r\n              min=\"1\"\r\n              max=\"50\"\r\n              step=\"1\"\r\n            >\r\n\r\n            <span>yrs<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hlx-field\">\r\n\r\n          <label for=\"hlx-payment\">\r\n            Current Monthly Repayment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"hlx-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hlx-payment\"\r\n              value=\"3221\"\r\n              min=\"0\"\r\n              step=\"1\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hlx-field\">\r\n\r\n          <label for=\"hlx-extra\">\r\n            Extra Monthly Repayment\r\n          <\/label>\r\n\r\n          <div class=\"hlx-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hlx-extra\"\r\n              value=\"500\"\r\n              min=\"0\"\r\n              step=\"10\"\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=\"hlx-calculate\"\r\n        >\r\n          Compare Repayment Options\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"hlx-reset\"\r\n          class=\"hlx-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=\"hlx-results\">\r\n\r\n        <div\r\n          id=\"hlx-error\"\r\n          class=\"hlx-error\"\r\n        ><\/div>\r\n\r\n\r\n        <!-- HERO RESULT -->\r\n\r\n        <div class=\"hlx-result-banner\">\r\n\r\n          <div>\r\n\r\n            <span>ESTIMATED INTEREST SAVED<\/span>\r\n\r\n            <strong id=\"hlx-interest-saved\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-banner-right\">\r\n\r\n            <span>TIME SAVED<\/span>\r\n\r\n            <strong id=\"hlx-time-saved\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- COMPARISON -->\r\n\r\n        <div class=\"hlx-comparison\">\r\n\r\n          <div class=\"hlx-comparison-card\">\r\n\r\n            <div class=\"hlx-card-label\">\r\n              Current Repayment\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-value\">\r\n              <strong id=\"hlx-current-payment\">\r\n                $0\r\n              <\/strong>\r\n\r\n              <span>per month<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Payoff time<\/span>\r\n              <strong id=\"hlx-current-time\">\u2014<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Total interest<\/span>\r\n              <strong id=\"hlx-current-interest\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Total repayments<\/span>\r\n              <strong id=\"hlx-current-total\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Payoff date<\/span>\r\n              <strong id=\"hlx-current-date\">\u2014<\/strong>\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-vs\">\r\n            VS\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-comparison-card hlx-extra-card\">\r\n\r\n            <div class=\"hlx-card-label\">\r\n              With Extra Repayment\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-value\">\r\n              <strong id=\"hlx-extra-payment\">\r\n                $0\r\n              <\/strong>\r\n\r\n              <span>per month<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Payoff time<\/span>\r\n              <strong id=\"hlx-extra-time\">\u2014<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Total interest<\/span>\r\n              <strong id=\"hlx-extra-interest\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Total repayments<\/span>\r\n              <strong id=\"hlx-extra-total\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div class=\"hlx-card-row\">\r\n              <span>Payoff date<\/span>\r\n              <strong id=\"hlx-extra-date\">\u2014<\/strong>\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- KEY STATS -->\r\n\r\n        <div class=\"hlx-stat-grid\">\r\n\r\n          <div class=\"hlx-stat\">\r\n\r\n            <span>Extra Each Month<\/span>\r\n\r\n            <strong id=\"hlx-extra-amount\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-stat\">\r\n\r\n            <span>Interest Saved<\/span>\r\n\r\n            <strong id=\"hlx-stat-saving\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-stat\">\r\n\r\n            <span>Months Saved<\/span>\r\n\r\n            <strong id=\"hlx-months-saved\">\r\n              0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-stat\">\r\n\r\n            <span>Years Saved<\/span>\r\n\r\n            <strong id=\"hlx-years-saved\">\r\n              0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SUMMARY -->\r\n\r\n        <div class=\"hlx-summary\">\r\n\r\n          <h3>What Your Extra Repayment Could Do<\/h3>\r\n\r\n          <p id=\"hlx-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCENARIOS -->\r\n\r\n        <div class=\"hlx-section\">\r\n\r\n          <div class=\"hlx-section-heading\">\r\n\r\n            <h3>Compare Different Extra Repayments<\/h3>\r\n\r\n            <p>\r\n              See how different additional monthly repayments could\r\n              affect your home loan.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-table-wrap\">\r\n\r\n            <table class=\"hlx-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n                  <th>Extra Monthly<\/th>\r\n                  <th>Total Payment<\/th>\r\n                  <th>Payoff Time<\/th>\r\n                  <th>Interest<\/th>\r\n                  <th>Interest Saved<\/th>\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n                  <td id=\"hlx-s0-extra\">$0<\/td>\r\n                  <td id=\"hlx-s0-payment\">$0<\/td>\r\n                  <td id=\"hlx-s0-time\">\u2014<\/td>\r\n                  <td id=\"hlx-s0-interest\">$0<\/td>\r\n                  <td id=\"hlx-s0-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"hlx-s1-extra\">$100<\/td>\r\n                  <td id=\"hlx-s1-payment\">$0<\/td>\r\n                  <td id=\"hlx-s1-time\">\u2014<\/td>\r\n                  <td id=\"hlx-s1-interest\">$0<\/td>\r\n                  <td id=\"hlx-s1-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"hlx-s2-extra\">$250<\/td>\r\n                  <td id=\"hlx-s2-payment\">$0<\/td>\r\n                  <td id=\"hlx-s2-time\">\u2014<\/td>\r\n                  <td id=\"hlx-s2-interest\">$0<\/td>\r\n                  <td id=\"hlx-s2-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"hlx-s3-extra\">$500<\/td>\r\n                  <td id=\"hlx-s3-payment\">$0<\/td>\r\n                  <td id=\"hlx-s3-time\">\u2014<\/td>\r\n                  <td id=\"hlx-s3-interest\">$0<\/td>\r\n                  <td id=\"hlx-s3-saving\">$0<\/td>\r\n                <\/tr>\r\n\r\n                <tr>\r\n                  <td id=\"hlx-s4-extra\">$1000<\/td>\r\n                  <td id=\"hlx-s4-payment\">$0<\/td>\r\n                  <td id=\"hlx-s4-time\">\u2014<\/td>\r\n                  <td id=\"hlx-s4-interest\">$0<\/td>\r\n                  <td id=\"hlx-s4-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=\"hlx-section\">\r\n\r\n          <div class=\"hlx-section-heading\">\r\n\r\n            <h3>Home Loan Balance Comparison<\/h3>\r\n\r\n            <p>\r\n              Estimated remaining balance with and without extra repayments.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-chart\">\r\n\r\n            <canvas id=\"hlx-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=\"hlx-section\">\r\n\r\n          <div class=\"hlx-section-heading\">\r\n\r\n            <h3>Extra Repayment Amortisation Schedule<\/h3>\r\n\r\n            <p>\r\n              Estimated monthly repayment, interest, principal and\r\n              remaining balance.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hlx-table-wrap hlx-schedule\">\r\n\r\n            <table class=\"hlx-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n                  <th>Month<\/th>\r\n                  <th>Payment<\/th>\r\n                  <th>Interest<\/th>\r\n                  <th>Principal<\/th>\r\n                  <th>Remaining Balance<\/th>\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody id=\"hlx-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=\"hlx-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>\r\n              Your Potential Interest Saving\r\n            <\/strong>\r\n\r\n            <small>\r\n              Based on the extra monthly repayment entered above.\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n          <span id=\"hlx-saving-value\">\r\n            $0\r\n          <\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- IMPORTANT AUSTRALIA NOTE -->\r\n\r\n        <div class=\"hlx-offset-note\">\r\n\r\n          <h3>Extra Repayments vs Offset Account<\/h3>\r\n\r\n          <p>\r\n            If your Australian home loan has an offset account, keeping\r\n            additional money in the offset may provide a similar interest\r\n            benefit while keeping the funds accessible. Check your loan\r\n            terms, offset conditions and fees before deciding between\r\n            additional repayments and an offset account.\r\n          <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"hlx-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides estimates for educational purposes only.\r\n          Actual home loan repayments and interest may differ because\r\n          Australian lenders may calculate interest daily and loan terms,\r\n          repayment frequency, fees, rate changes, offset arrangements,\r\n          redraw facilities and other conditions can affect the result.\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=\"hlx-content\">\r\n\r\n      <h3>How Does the Home Loan vs Extra Repayment Calculator Work?<\/h3>\r\n\r\n      <p>\r\n        Enter your current home loan balance, interest rate, years\r\n        remaining and current monthly repayment. Then enter the extra\r\n        amount you are considering paying each month. The calculator\r\n        compares your existing repayment strategy with the extra\r\n        repayment strategy and estimates how much interest you could\r\n        save and how much sooner you could become mortgage-free.\r\n      <\/p>\r\n\r\n\r\n      <h3>Does Paying Extra on a Home Loan Save Interest?<\/h3>\r\n\r\n      <p>\r\n        Making additional repayments can reduce your outstanding home\r\n        loan balance. A lower balance can reduce the amount of interest\r\n        charged over the remaining loan term. The benefit depends on\r\n        your interest rate, remaining balance, remaining term and the\r\n        amount of extra money you contribute.\r\n      <\/p>\r\n\r\n\r\n      <h3>Should I Make Extra Home Loan Repayments?<\/h3>\r\n\r\n      <p>\r\n        The decision depends on your circumstances. You may also want\r\n        to consider your emergency savings, other debts, investments,\r\n        tax considerations, loan conditions and whether your home loan\r\n        provides an offset account or redraw facility. Use this\r\n        calculator to compare the mathematical effect of additional\r\n        repayments before making a decision.\r\n      <\/p>\r\n\r\n\r\n      <h3>Extra Repayments and Australian Home Loans<\/h3>\r\n\r\n      <p>\r\n        Australian home loans can have different repayment conditions,\r\n        fixed or variable interest rates, offset accounts and redraw\r\n        facilities. Check your lender's terms to understand whether\r\n        additional repayments are allowed and whether fees or limits\r\n        apply.\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   HOME LOAN VS EXTRA REPAYMENT CALCULATOR - AUSTRALIA\r\n\r\n   PRIMARY WEBSITE COLOUR: #7C3AED\r\n========================================================= *\/\r\n\r\n#hlx-au-calculator {\r\n\r\n  --hlx-primary: #7C3AED;\r\n  --hlx-primary-dark: #6D28D9;\r\n  --hlx-primary-light: #F3E8FF;\r\n\r\n  --hlx-text: #111827;\r\n  --hlx-muted: #6B7280;\r\n\r\n  --hlx-border: #E5E7EB;\r\n  --hlx-bg: #F8FAFC;\r\n\r\n  --hlx-green: #15803D;\r\n  --hlx-green-bg: #F0FDF4;\r\n\r\n  --hlx-red: #B91C1C;\r\n  --hlx-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(--hlx-text);\r\n\r\n  line-height: 1.5;\r\n}\r\n\r\n\r\n#hlx-au-calculator *,\r\n#hlx-au-calculator *::before,\r\n#hlx-au-calculator *::after {\r\n\r\n  box-sizing: border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.hlx-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n\r\n}\r\n\r\n\r\n.hlx-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(--hlx-primary-light);\r\n\r\n  color:\r\n    var(--hlx-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\r\n.hlx-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\r\n.hlx-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.hlx-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\r\n\/* INPUT PANEL *\/\r\n\r\n.hlx-input-panel {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-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\r\n.hlx-input-panel 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\r\n.hlx-field {\r\n\r\n  margin-bottom: 17px;\r\n\r\n}\r\n\r\n\r\n.hlx-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\r\n.hlx-field label small {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-weight: 400;\r\n\r\n}\r\n\r\n\r\n.hlx-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\r\n.hlx-input-wrap:focus-within {\r\n\r\n  border-color:\r\n    var(--hlx-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\r\n.hlx-input-wrap span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.hlx-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(--hlx-text);\r\n\r\n  background: transparent;\r\n\r\n}\r\n\r\n\r\n#hlx-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(--hlx-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\r\n#hlx-calculate:hover {\r\n\r\n  background:\r\n    var(--hlx-primary-dark);\r\n\r\n}\r\n\r\n\r\n.hlx-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(--hlx-muted);\r\n\r\n  cursor: pointer;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.hlx-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(--hlx-red-bg);\r\n\r\n  color:\r\n    var(--hlx-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.hlx-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(--hlx-primary),\r\n      var(--hlx-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\r\n.hlx-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\r\n.hlx-result-banner strong {\r\n\r\n  display: block;\r\n\r\n  font-size: 25px;\r\n\r\n}\r\n\r\n\r\n.hlx-banner-right {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n\/* COMPARISON *\/\r\n\r\n.hlx-comparison {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    1fr\r\n    55px\r\n    1fr;\r\n\r\n  gap: 10px;\r\n\r\n  margin-top: 15px;\r\n\r\n  align-items: stretch;\r\n\r\n}\r\n\r\n\r\n.hlx-comparison-card {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  border-radius: 12px;\r\n\r\n  padding: 18px;\r\n\r\n}\r\n\r\n\r\n.hlx-extra-card {\r\n\r\n  border-color:\r\n    var(--hlx-primary);\r\n\r\n  box-shadow:\r\n    0 4px 15px\r\n    rgba(124,58,237,.08);\r\n\r\n}\r\n\r\n\r\n.hlx-card-label {\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 800;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  margin-bottom: 10px;\r\n\r\n}\r\n\r\n\r\n.hlx-card-value {\r\n\r\n  padding-bottom: 13px;\r\n\r\n  border-bottom:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n}\r\n\r\n\r\n.hlx-card-value strong {\r\n\r\n  display: block;\r\n\r\n  font-size: 24px;\r\n\r\n  color:\r\n    var(--hlx-primary);\r\n\r\n}\r\n\r\n\r\n.hlx-card-value span {\r\n\r\n  font-size: 12px;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n}\r\n\r\n\r\n.hlx-card-row {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 10px;\r\n\r\n  padding:\r\n    10px 0;\r\n\r\n  border-bottom:\r\n    1px solid\r\n    #F3F4F6;\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.hlx-card-row:last-child {\r\n\r\n  border-bottom: 0;\r\n\r\n}\r\n\r\n\r\n.hlx-card-row span {\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n}\r\n\r\n\r\n.hlx-card-row strong {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n.hlx-vs {\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  justify-content: center;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n  color:\r\n    var(--hlx-primary);\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.hlx-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: 15px;\r\n\r\n}\r\n\r\n\r\n.hlx-stat {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  padding:\r\n    16px 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.hlx-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.hlx-stat strong {\r\n\r\n  font-size: 18px;\r\n\r\n  color:\r\n    var(--hlx-primary);\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.hlx-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--hlx-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--hlx-primary);\r\n\r\n  border-radius: 9px;\r\n\r\n}\r\n\r\n\r\n.hlx-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\r\n.hlx-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n\/* SECTION *\/\r\n\r\n.hlx-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.hlx-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\r\n.hlx-section-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.hlx-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.hlx-table {\r\n\r\n  width: 100%;\r\n\r\n  border-collapse:\r\n    collapse;\r\n\r\n  min-width: 650px;\r\n\r\n}\r\n\r\n\r\n.hlx-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  text-align: left;\r\n\r\n  padding: 12px;\r\n\r\n  white-space: nowrap;\r\n\r\n}\r\n\r\n\r\n.hlx-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.hlx-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n}\r\n\r\n\r\n.hlx-table td:last-child {\r\n\r\n  color:\r\n    var(--hlx-primary-dark);\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.hlx-chart {\r\n\r\n  width: 100%;\r\n\r\n  height: 310px;\r\n\r\n  padding: 15px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n#hlx-chart-canvas {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n}\r\n\r\n\r\n\/* SAVINGS *\/\r\n\r\n.hlx-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(--hlx-green-bg);\r\n\r\n}\r\n\r\n\r\n.hlx-saving-box strong {\r\n\r\n  display: block;\r\n\r\n}\r\n\r\n\r\n.hlx-saving-box small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n}\r\n\r\n\r\n.hlx-saving-box > span {\r\n\r\n  color:\r\n    var(--hlx-green);\r\n\r\n  font-size: 25px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n\/* OFFSET NOTE *\/\r\n\r\n.hlx-offset-note {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hlx-border);\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    #FAFAFA;\r\n\r\n}\r\n\r\n\r\n.hlx-offset-note 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\r\n.hlx-offset-note p {\r\n\r\n  margin: 0;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.hlx-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(--hlx-border);\r\n\r\n  color:\r\n    var(--hlx-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.hlx-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(--hlx-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.hlx-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\r\n.hlx-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\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:900px) {\r\n\r\n  .hlx-main {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .hlx-input-panel {\r\n\r\n    position: static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .hlx-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:650px) {\r\n\r\n  .hlx-comparison {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .hlx-vs {\r\n\r\n    height: 25px;\r\n\r\n  }\r\n\r\n  .hlx-banner-right {\r\n\r\n    text-align: left;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:500px) {\r\n\r\n  #hlx-au-calculator {\r\n\r\n    margin:\r\n      15px auto;\r\n\r\n  }\r\n\r\n  .hlx-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .hlx-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .hlx-saving-box {\r\n\r\n    flex-direction: column;\r\n\r\n    align-items: flex-start;\r\n\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     BASIC HELPERS\r\n  ====================================== *\/\r\n\r\n  function getNumber(id) {\r\n\r\n    var el =\r\n      document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value =\r\n      parseFloat(el.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 timeText(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 dateText(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     HOME LOAN CALCULATION\r\n  ====================================== *\/\r\n\r\n  function calculateLoan(\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 RATE *\/\r\n\r\n    if (monthlyRate === 0) {\r\n\r\n      while (\r\n        remaining > 0 &&\r\n        months < 1000\r\n      ) {\r\n\r\n        var actual =\r\n          Math.min(\r\n            payment,\r\n            remaining\r\n          );\r\n\r\n\r\n        var principal =\r\n          actual;\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: actual,\r\n\r\n          interest: 0,\r\n\r\n          principal: 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 TOO LOW *\/\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    \/* AMORTISATION *\/\r\n\r\n    while (\r\n      remaining > 0 &&\r\n      months < 1000\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 (principal <= 0) {\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 +=\r\n        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:\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 >= 1000\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: months,\r\n\r\n      interest:\r\n        totalInterest,\r\n\r\n      total:\r\n        balance +\r\n        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     PAYMENT FROM BALANCE + TERM\r\n  ====================================== *\/\r\n\r\n  function calculatedPayment(\r\n    balance,\r\n    annualRate,\r\n    years\r\n  ) {\r\n\r\n    var months =\r\n      years * 12;\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 TABLE\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        \"hlx-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 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    currentSchedule,\r\n    extraSchedule\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"hlx-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      !currentSchedule.length ||\r\n      !extraSchedule.length\r\n    ) return;\r\n\r\n\r\n    var maxMonths =\r\n      Math.max(\r\n        currentSchedule.length,\r\n        extraSchedule.length\r\n      );\r\n\r\n\r\n    var maxBalance =\r\n      currentSchedule[0].balance +\r\n      currentSchedule[0].principal;\r\n\r\n\r\n    var padding = 38;\r\n\r\n\r\n    function x(index) {\r\n\r\n      return padding +\r\n        (\r\n          index \/\r\n          Math.max(\r\n            1,\r\n            maxMonths - 1\r\n          )\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 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    \/* CURRENT LOAN *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    currentSchedule.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      \"#9CA3AF\";\r\n\r\n    ctx.lineWidth = 2;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* EXTRA PAYMENT *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    extraSchedule.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    \/* 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      5,\r\n      padding\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n      \"$0\",\r\n      5,\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#6B7280\";\r\n\r\n\r\n    ctx.fillText(\r\n      \"Current repayment\",\r\n      padding,\r\n      height - 10\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#7C3AED\";\r\n\r\n\r\n    ctx.fillText(\r\n      \"Extra repayment\",\r\n      padding + 130,\r\n      height - 10\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        \"hlx-balance\"\r\n      );\r\n\r\n\r\n    var rate =\r\n      getNumber(\r\n        \"hlx-rate\"\r\n      );\r\n\r\n\r\n    var years =\r\n      getNumber(\r\n        \"hlx-years\"\r\n      );\r\n\r\n\r\n    var enteredPayment =\r\n      getNumber(\r\n        \"hlx-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      getNumber(\r\n        \"hlx-extra\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"hlx-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 home 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        \"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 (\r\n      years <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter the number of years remaining.\";\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    \/* CALCULATED PAYMENT *\/\r\n\r\n    var calculated =\r\n      calculatedPayment(\r\n        balance,\r\n        rate,\r\n        years\r\n      );\r\n\r\n\r\n    \/*\r\n     * If the user leaves the payment\r\n     * empty\/zero, calculate it from\r\n     * balance + rate + term.\r\n     *\/\r\n\r\n    var currentPayment =\r\n      enteredPayment > 0\r\n        ? enteredPayment\r\n        : calculated;\r\n\r\n\r\n    if (\r\n      currentPayment <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a valid 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    \/* CURRENT *\/\r\n\r\n    var current =\r\n      calculateLoan(\r\n        balance,\r\n        rate,\r\n        currentPayment\r\n      );\r\n\r\n\r\n    if (\r\n      current.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Your current repayment is not high enough to reduce this loan at the current interest rate.\";\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    \/* EXTRA *\/\r\n\r\n    var extraPayment =\r\n      currentPayment +\r\n      Math.max(\r\n        0,\r\n        extra\r\n      );\r\n\r\n\r\n    var withExtra =\r\n      calculateLoan(\r\n        balance,\r\n        rate,\r\n        extraPayment\r\n      );\r\n\r\n\r\n    if (\r\n      withExtra.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"The extra repayment calculation could not be completed.\";\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    \/* SAVINGS *\/\r\n\r\n    var interestSaved =\r\n      Math.max(\r\n        0,\r\n        current.interest -\r\n        withExtra.interest\r\n      );\r\n\r\n\r\n    var monthsSaved =\r\n      Math.max(\r\n        0,\r\n        current.months -\r\n        withExtra.months\r\n      );\r\n\r\n\r\n    var yearsSaved =\r\n      monthsSaved \/ 12;\r\n\r\n\r\n    \/* BANNER *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-interest-saved\"\r\n    ).textContent =\r\n      money(\r\n        interestSaved\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-time-saved\"\r\n    ).textContent =\r\n      timeText(\r\n        monthsSaved\r\n      );\r\n\r\n\r\n    \/* CURRENT CARD *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-current-payment\"\r\n    ).textContent =\r\n      money(\r\n        currentPayment\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-current-time\"\r\n    ).textContent =\r\n      timeText(\r\n        current.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-current-interest\"\r\n    ).textContent =\r\n      money(\r\n        current.interest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-current-total\"\r\n    ).textContent =\r\n      money(\r\n        current.total\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-current-date\"\r\n    ).textContent =\r\n      dateText(\r\n        current.months\r\n      );\r\n\r\n\r\n    \/* EXTRA CARD *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-payment\"\r\n    ).textContent =\r\n      money(\r\n        extraPayment\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-time\"\r\n    ).textContent =\r\n      timeText(\r\n        withExtra.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-interest\"\r\n    ).textContent =\r\n      money(\r\n        withExtra.interest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-total\"\r\n    ).textContent =\r\n      money(\r\n        withExtra.total\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-date\"\r\n    ).textContent =\r\n      dateText(\r\n        withExtra.months\r\n      );\r\n\r\n\r\n    \/* STATS *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-extra-amount\"\r\n    ).textContent =\r\n      money(\r\n        extra\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-stat-saving\"\r\n    ).textContent =\r\n      money(\r\n        interestSaved\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-months-saved\"\r\n    ).textContent =\r\n      monthsSaved;\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-years-saved\"\r\n    ).textContent =\r\n      yearsSaved.toFixed(1);\r\n\r\n\r\n    \/* SUMMARY *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-summary-text\"\r\n    ).textContent =\r\n\r\n      \"Adding \" +\r\n      money(extra) +\r\n      \" to your monthly home loan repayment would increase your estimated repayment to \" +\r\n      money(extraPayment) +\r\n      \". Based on the assumptions entered, you could save approximately \" +\r\n      money(interestSaved) +\r\n      \" in interest and pay off the loan about \" +\r\n      timeText(monthsSaved) +\r\n      \" sooner.\";\r\n\r\n\r\n    \/* SCENARIOS *\/\r\n\r\n    var extras = [\r\n      0,\r\n      100,\r\n      250,\r\n      500,\r\n      1000\r\n    ];\r\n\r\n\r\n    extras.forEach(\r\n      function(amount, index) {\r\n\r\n        var scenarioPayment =\r\n          currentPayment +\r\n          amount;\r\n\r\n\r\n        var scenario =\r\n          calculateLoan(\r\n            balance,\r\n            rate,\r\n            scenarioPayment\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"hlx-s\" +\r\n          index +\r\n          \"-extra\"\r\n        ).textContent =\r\n          money(\r\n            amount\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"hlx-s\" +\r\n          index +\r\n          \"-payment\"\r\n        ).textContent =\r\n          money(\r\n            scenarioPayment\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"hlx-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          \"hlx-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        document.getElementById(\r\n          \"hlx-s\" +\r\n          index +\r\n          \"-saving\"\r\n        ).textContent =\r\n          money(\r\n            Math.max(\r\n              0,\r\n              current.interest -\r\n              scenario.interest\r\n            )\r\n          );\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* SAVING BOX *\/\r\n\r\n    document.getElementById(\r\n      \"hlx-saving-value\"\r\n    ).textContent =\r\n      money(\r\n        interestSaved\r\n      );\r\n\r\n\r\n    \/* SCHEDULE *\/\r\n\r\n    renderSchedule(\r\n      withExtra.schedule\r\n    );\r\n\r\n\r\n    \/* CHART *\/\r\n\r\n    drawChart(\r\n      current.schedule,\r\n      withExtra.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      \"hlx-balance\"\r\n    ).value =\r\n      \"500000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-rate\"\r\n    ).value =\r\n      \"6.0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-years\"\r\n    ).value =\r\n      \"25\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-payment\"\r\n    ).value =\r\n      \"3221\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hlx-extra\"\r\n    ).value =\r\n      \"500\";\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    \"hlx-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"hlx-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      \"#hlx-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      calculate();\r\n\r\n    }\r\n  );\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The Home Loan vs Extra Repayment Calculator Australia is a free tool that helps Australian homeowners estimate how making additional mortgage repayments could reduce their total interest and shorten their home loan term. Enter your current loan balance, interest rate, remaining loan term, current monthly repayment and the extra amount you are considering paying each month. The calculator compares your estimated payoff date, total interest and total repayments with and without extra repayments. You can also compare different additional payment amounts, such as $100, $250, $500 and $1,000 per month, and see how much interest and time could potentially be saved. Extra repayments can reduce the outstanding principal, which may reduce future interest and help you repay your mortgage sooner. Results are estimates only and actual outcomes can vary based on your lender, interest-rate changes, repayment frequency, fees, offset arrangements and loan conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Home Loan vs Extra Repayment Calculator Australia is a free tool that helps Australian homeowners estimate how making additional 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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-747","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 Home Loan vs Extra Repayment Calculator Australia is a free tool that helps Australian homeowners estimate how making additional 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