Personal Loan Calculator NZ: Repayments, Interest & Fees
Estimate weekly, fortnightly or monthly personal loan repayments and compare the total cost after interest and common fees.
Reviewed 31 July 2026 · New Zealand dollars and current settings where stated
How much will a personal loan cost?
A personal loan costs the amount borrowed plus interest and any establishment, account or early-repayment fees. Enter the rate, term and fees below to see the regular repayment and estimated total cost. Compare lender disclosures before borrowing.
Your personal loan details
Check that the loan amount, rate and term are valid.
Your repayment estimate
How this personal loan calculator works
The calculator uses the standard amortising-loan formula. Interest is applied to the outstanding balance each repayment period. It then adds the entered account fee and models any extra repayment until the balance reaches zero.
| Cost | How it is treated |
|---|---|
| Interest | Calculated from the entered annual rate and repayment frequency. |
| Establishment fee | Either added to the financed balance or treated as an upfront cost. |
| Monthly fee | Converted into an equivalent amount for the selected repayment frequency. |
| Extra repayments | Applied to principal after interest and the regular fee. |
Compare personal loans by total cost
A lower advertised rate does not always mean a lower total cost. Compare the repayment, total interest, establishment fee, ongoing fees, early repayment rules and the amount repaid over the full term.
Official guidance: Consumer Protection, what lenders must do and credit-contract definitions.
Personal Loan Calculator NZ: Repayments, Interest & Fees FAQs
What is a personal loan repayment?
It is the regular amount paid to reduce the amount borrowed and cover interest and any ongoing fees. The frequency may be weekly, fortnightly or monthly.
Does the calculator include loan fees?
Yes. You can enter an establishment fee and a monthly account fee. Check the lender disclosure because actual fees and treatment can differ.
Can extra repayments reduce interest?
Usually, paying principal earlier reduces future interest, but the saving depends on the contract and whether early repayment fees apply.
Is this a loan offer or affordability approval?
No. It is a general estimate. A lender must assess the application and provide the actual rate, fees, repayment amount and disclosure.
Should I compare the interest rate or total repayment?
Compare both. The total repayment captures interest and entered fees across the term, while the rate alone does not show every cost.