Calculator
Mortgage Rate Change Calculator
Estimate what a rate move could do to a principal-and-interest mortgage. Change the inputs and scenario locally in your browser.
Mortgage calculator
What would a rate move mean for your repayments?
years months
Repayment frequency
Rate scenario
Your inputs stay in this browser. They are not sent to RBADay or stored. Share links keep them after the # in the address, which browsers do not send to websites.
Estimated repayment (monthly)
+0.25 ptsCurrent (monthly)
$4,487
After scenario (monthly)
$4,590
Approximate change per month
+$103 / month
+$1,237 per year, approximately
General Information & Estimates Only. The selected scenario is applied to your entered rate while the balance and remaining term stay unchanged. Assumes a principal-and-interest loan and that your lender passes through the rate change in full. Weekly and fortnightly figures are annualized equivalents ((monthly × 12) ÷ 52 or 26); actual lender repayments may differ depending on compounding and rounding methods. Does not factor in comparison rates, package discounts, or ongoing bank fees. Not financial product advice (ASIC RG 244).
Current RBA reference
4.85%
Cash rate target · effective 2026-11-04 · verified 2026-11-10
What this estimate assumes
The calculation uses the standard amortisation formula for monthly principal-and-interest repayments. It compares the current rate with the selected rate change over the same remaining term.
It assumes your lender passes through the selected change in full. Actual repayments can differ because lenders, fees, repayment frequency and loan structures differ.
Privacy by default
Your loan balance, rate and term stay in the browser. RBADay does not send or store calculator inputs and does not attach them to analytics.