Disclaimer
Smart Loan Repayment Planner · Last updated 1 May 2026
Not financial advice
This app is a calculator and educational tool only. The figures, projections, charts, and scenarios it produces do not constitute financial, taxation, or legal advice and must not be relied on as such.
General information only
Calculations are based on the inputs you provide and standard amortisation formulas. Real loan products may include fees, comparison rates, redraw conditions, lenders mortgage insurance, government charges, variable rate movements, and other factors not modelled here. Actual outcomes will differ.
Seek professional advice
Before making any decision relating to a home loan, refinancing, additional repayments, or offset arrangements, you should consult a licensed financial adviser, mortgage broker, accountant, or your lender. Consider your personal objectives, financial situation, and needs.
No warranty
The app is provided “as is” without warranty of any kind. The developer does not guarantee the accuracy, completeness, or suitability of any calculation for your circumstances and accepts no liability for any loss or damage arising from use of the app.
Australian users
This app performs general calculations using figures you enter. It does not recommend, arrange, or assist you to apply for any credit contract or financial product, does not refer you to any lender, and does not take into account your personal objectives, financial situation or needs. The developer does not hold an Australian Credit Licence or an Australian Financial Services Licence, and does not provide credit assistance or personal financial advice.
Your data
All inputs and scenarios are stored locally on your device. See the Privacy Policy for details.