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Personal Loan Calculator

Thinking about taking out a personal loan? Understanding what your repayments could look like is a great first step.

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Tablet device showing the MyBudget Personal Loan Calculator webpage, featuring loan type options like car loans and debt consolidation, along with a repayment projection graph in New Zealand.

See How a Personal Loan Fits Your Budget

A personal loan can help you achieve an important goal, but only if the repayments fit comfortably within your budget. Estimate your repayments, then see how MyBudget helps you plan 12 months ahead without losing sight of your bigger financial goals.

MyBudget clients Bob & Kim achieving their financial goals with personalised budgeting and debt management support.

Bob & Kim | MyBudget clients

Looking beyond the loan

A personal loan is only one part of your financial picture.

MyBudget helps you:

  • Borrow with confidence
  • See 12 months ahead
  • Build savings over time
  • Achieve your financial goals
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Helping 130,000+ people build a better financial future for over 25 years

Personal Loan Calculator FAQs

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See more FAQs…

  • The personal loan calculator estimates your repayments based on the loan amount, interest rate, loan term and repayment frequency you enter. You can also see how making extra repayments may reduce the time it takes to repay your loan and the total interest you could pay over the life of the loan.

  • Yes. The calculator can estimate repayments for several loan types, including personal loans, car loans, debt consolidation loans and equipment finance. Adjust the loan amount, interest rate, loan term and repayment frequency to compare different borrowing scenarios and understand how they may affect your budget.

  • The calculator provides an estimate only and should be used as a guide. Actual repayments, interest rates, fees and loan terms may vary between lenders, so the results are not a quote, loan offer or pre-approval. They are designed to help you plan before borrowing.

  • A personal loan is generally affordable if the repayments comfortably fit within your budget after covering your regular bills and living expenses. The calculator estimates your repayments, while MyBudget can help you understand how they fit into a personalised budget and a clear 12-month financial plan.

  • Yes. While MyBudget New Zealand doesn’t provide personal loans, we help Kiwis manage their money with personalised budgeting support, bill management and a clear 12-month financial plan. This makes it easier to stay on top of loan repayments while continuing to work towards your bigger financial goals.

Why Use MyBudget's Money Tools?

Our calculators, templates and guides help Kiwis make better money decisions using the same budgeting approach that’s helped 130,000+ people take control of their money for 25+ years.

✓ Free calculators and guides
✓ Quick and easy to use
✓ Compare different scenarios
✓ Achieve your financial goals