Essential Home Loan 100% Offset Fixed (Interest Only) 1 Year from Kogan Money

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$300,000
Advertised rate
4.31%
Fixed - 1 year
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,078
Number of Repayments
300
Total Interest Paid
$23,400
Total repayments
$323,400
DatePrincipleInterestPaymentBalance
1Dec 2019$557.81$1,077.50$1,635.31$299,442.19
2019 Total$557.81$1,077.5$1,635.31
2Jan 2020$559.81$1,075.50$1,635.31$298,882.38
3Feb 2020$561.82$1,073.49$1,635.31$298,320.56
4Mar 2020$563.84$1,071.47$1,635.31$297,756.72
5Apr 2020$565.87$1,069.44$1,635.31$297,190.85
6May 2020$567.90$1,067.41$1,635.31$296,622.95
7Jun 2020$569.94$1,065.37$1,635.31$296,053.01
8Jul 2020$571.99$1,063.32$1,635.31$295,481.02
9Aug 2020$574.04$1,061.27$1,635.31$294,906.98
10Sep 2020$576.10$1,059.21$1,635.31$294,330.88
11Oct 2020$578.17$1,057.14$1,635.31$293,752.71
12Nov 2020$580.25$1,055.06$1,635.31$293,172.46
13Dec 2020$582.33$1,052.98$1,635.31$292,590.13
2020 Total$6,852.06$12,771.66$19,623.72
14Jan 2021$584.42$1,050.89$1,635.31$292,005.71
15Feb 2021$586.52$1,048.79$1,635.31$291,419.19
16Mar 2021$588.63$1,046.68$1,635.31$290,830.56
17Apr 2021$590.74$1,044.57$1,635.31$290,239.82
18May 2021$592.87$1,042.44$1,635.31$289,646.95
19Jun 2021$594.99$1,040.32$1,635.31$289,051.96
20Jul 2021$597.13$1,038.18$1,635.31$288,454.83
21Aug 2021$599.28$1,036.03$1,635.31$287,855.55
22Sep 2021$601.43$1,033.88$1,635.31$287,254.12
23Oct 2021$603.59$1,031.72$1,635.31$286,650.53
24Nov 2021$605.76$1,029.55$1,635.31$286,044.77
25Dec 2021$607.93$1,027.38$1,635.31$285,436.84
2021 Total$7,153.29$12,470.43$19,623.72
26Jan 2022$610.12$1,025.19$1,635.31$284,826.72
27Feb 2022$612.31$1,023.00$1,635.31$284,214.41
28Mar 2022$614.51$1,020.80$1,635.31$283,599.90
29Apr 2022$616.71$1,018.60$1,635.31$282,983.19
30May 2022$618.93$1,016.38$1,635.31$282,364.26
31Jun 2022$621.15$1,014.16$1,635.31$281,743.11
32Jul 2022$623.38$1,011.93$1,635.31$281,119.73
33Aug 2022$625.62$1,009.69$1,635.31$280,494.11
34Sep 2022$627.87$1,007.44$1,635.31$279,866.24
35Oct 2022$630.12$1,005.19$1,635.31$279,236.12
36Nov 2022$632.39$1,002.92$1,635.31$278,603.73
37Dec 2022$634.66$1,000.65$1,635.31$277,969.07
2022 Total$7,467.77$12,155.95$19,623.72
38Jan 2023$636.94$998.37$1,635.31$277,332.13
39Feb 2023$639.23$996.08$1,635.31$276,692.90
40Mar 2023$641.52$993.79$1,635.31$276,051.38
41Apr 2023$643.83$991.48$1,635.31$275,407.55
42May 2023$646.14$989.17$1,635.31$274,761.41
43Jun 2023$648.46$986.85$1,635.31$274,112.95
44Jul 2023$650.79$984.52$1,635.31$273,462.16
45Aug 2023$653.13$982.18$1,635.31$272,809.03
46Sep 2023$655.47$979.84$1,635.31$272,153.56
47Oct 2023$657.83$977.48$1,635.31$271,495.73
48Nov 2023$660.19$975.12$1,635.31$270,835.54
49Dec 2023$662.56$972.75$1,635.31$270,172.98
2023 Total$7,796.09$11,827.63$19,623.72
50Jan 2024$664.94$970.37$1,635.31$269,508.04
51Feb 2024$667.33$967.98$1,635.31$268,840.71
52Mar 2024$669.72$965.59$1,635.31$268,170.99
53Apr 2024$672.13$963.18$1,635.31$267,498.86
54May 2024$674.54$960.77$1,635.31$266,824.32
55Jun 2024$676.97$958.34$1,635.31$266,147.35
56Jul 2024$679.40$955.91$1,635.31$265,467.95
57Aug 2024$681.84$953.47$1,635.31$264,786.11
58Sep 2024$684.29$951.02$1,635.31$264,101.82
59Oct 2024$686.74$948.57$1,635.31$263,415.08
60Nov 2024$689.21$946.10$1,635.31$262,725.87
61Dec 2024$691.69$943.62$1,635.31$262,034.18
2024 Total$8,138.8$11,484.92$19,623.72
62Jan 2025$694.17$941.14$1,635.31$261,340.01
63Feb 2025$696.66$938.65$1,635.31$260,643.35
64Mar 2025$699.17$936.14$1,635.31$259,944.18
65Apr 2025$701.68$933.63$1,635.31$259,242.50
66May 2025$704.20$931.11$1,635.31$258,538.30
67Jun 2025$706.73$928.58$1,635.31$257,831.57
68Jul 2025$709.26$926.05$1,635.31$257,122.31
69Aug 2025$711.81$923.50$1,635.31$256,410.50
70Sep 2025$714.37$920.94$1,635.31$255,696.13
71Oct 2025$716.93$918.38$1,635.31$254,979.20
72Nov 2025$719.51$915.80$1,635.31$254,259.69
73Dec 2025$722.09$913.22$1,635.31$253,537.60
2025 Total$8,496.58$11,127.14$19,623.72
74Jan 2026$724.69$910.62$1,635.31$252,812.91
75Feb 2026$727.29$908.02$1,635.31$252,085.62
76Mar 2026$729.90$905.41$1,635.31$251,355.72
77Apr 2026$732.52$902.79$1,635.31$250,623.20
78May 2026$735.16$900.15$1,635.31$249,888.04
79Jun 2026$737.80$897.51$1,635.31$249,150.24
80Jul 2026$740.45$894.86$1,635.31$248,409.79
81Aug 2026$743.10$892.21$1,635.31$247,666.69
82Sep 2026$745.77$889.54$1,635.31$246,920.92
83Oct 2026$748.45$886.86$1,635.31$246,172.47
84Nov 2026$751.14$884.17$1,635.31$245,421.33
85Dec 2026$753.84$881.47$1,635.31$244,667.49
2026 Total$8,870.11$10,753.61$19,623.72
86Jan 2027$756.55$878.76$1,635.31$243,910.94
87Feb 2027$759.26$876.05$1,635.31$243,151.68
88Mar 2027$761.99$873.32$1,635.31$242,389.69
89Apr 2027$764.73$870.58$1,635.31$241,624.96
90May 2027$767.47$867.84$1,635.31$240,857.49
91Jun 2027$770.23$865.08$1,635.31$240,087.26
92Jul 2027$773.00$862.31$1,635.31$239,314.26
93Aug 2027$775.77$859.54$1,635.31$238,538.49
94Sep 2027$778.56$856.75$1,635.31$237,759.93
95Oct 2027$781.36$853.95$1,635.31$236,978.57
96Nov 2027$784.16$851.15$1,635.31$236,194.41
97Dec 2027$786.98$848.33$1,635.31$235,407.43
2027 Total$9,260.06$10,363.66$19,623.72
98Jan 2028$789.80$845.51$1,635.31$234,617.63
99Feb 2028$792.64$842.67$1,635.31$233,824.99
100Mar 2028$795.49$839.82$1,635.31$233,029.50
101Apr 2028$798.35$836.96$1,635.31$232,231.15
102May 2028$801.21$834.10$1,635.31$231,429.94
103Jun 2028$804.09$831.22$1,635.31$230,625.85
104Jul 2028$806.98$828.33$1,635.31$229,818.87
105Aug 2028$809.88$825.43$1,635.31$229,008.99
106Sep 2028$812.79$822.52$1,635.31$228,196.20
107Oct 2028$815.71$819.60$1,635.31$227,380.49
108Nov 2028$818.64$816.67$1,635.31$226,561.85
109Dec 2028$821.58$813.73$1,635.31$225,740.27
2028 Total$9,667.16$9,956.56$19,623.72
110Jan 2029$824.53$810.78$1,635.31$224,915.74
111Feb 2029$827.49$807.82$1,635.31$224,088.25
112Mar 2029$830.46$804.85$1,635.31$223,257.79
113Apr 2029$833.44$801.87$1,635.31$222,424.35
114May 2029$836.44$798.87$1,635.31$221,587.91
115Jun 2029$839.44$795.87$1,635.31$220,748.47
116Jul 2029$842.46$792.85$1,635.31$219,906.01
117Aug 2029$845.48$789.83$1,635.31$219,060.53
118Sep 2029$848.52$786.79$1,635.31$218,212.01
119Oct 2029$851.57$783.74$1,635.31$217,360.44
120Nov 2029$854.62$780.69$1,635.31$216,505.82
121Dec 2029$857.69$777.62$1,635.31$215,648.13
2029 Total$10,092.14$9,531.58$19,623.72
122Jan 2030$860.77$774.54$1,635.31$214,787.36
123Feb 2030$863.87$771.44$1,635.31$213,923.49
124Mar 2030$866.97$768.34$1,635.31$213,056.52
125Apr 2030$870.08$765.23$1,635.31$212,186.44
126May 2030$873.21$762.10$1,635.31$211,313.23
127Jun 2030$876.34$758.97$1,635.31$210,436.89
128Jul 2030$879.49$755.82$1,635.31$209,557.40
129Aug 2030$882.65$752.66$1,635.31$208,674.75
130Sep 2030$885.82$749.49$1,635.31$207,788.93
131Oct 2030$889.00$746.31$1,635.31$206,899.93
132Nov 2030$892.19$743.12$1,635.31$206,007.74
133Dec 2030$895.40$739.91$1,635.31$205,112.34
2030 Total$10,535.79$9,087.93$19,623.72
134Jan 2031$898.61$736.70$1,635.31$204,213.73
135Feb 2031$901.84$733.47$1,635.31$203,311.89
136Mar 2031$905.08$730.23$1,635.31$202,406.81
137Apr 2031$908.33$726.98$1,635.31$201,498.48
138May 2031$911.59$723.72$1,635.31$200,586.89
139Jun 2031$914.87$720.44$1,635.31$199,672.02
140Jul 2031$918.15$717.16$1,635.31$198,753.87
141Aug 2031$921.45$713.86$1,635.31$197,832.42
142Sep 2031$924.76$710.55$1,635.31$196,907.66
143Oct 2031$928.08$707.23$1,635.31$195,979.58
144Nov 2031$931.42$703.89$1,635.31$195,048.16
145Dec 2031$934.76$700.55$1,635.31$194,113.40
2031 Total$10,998.94$8,624.78$19,623.72
146Jan 2032$938.12$697.19$1,635.31$193,175.28
147Feb 2032$941.49$693.82$1,635.31$192,233.79
148Mar 2032$944.87$690.44$1,635.31$191,288.92
149Apr 2032$948.26$687.05$1,635.31$190,340.66
150May 2032$951.67$683.64$1,635.31$189,388.99
151Jun 2032$955.09$680.22$1,635.31$188,433.90
152Jul 2032$958.52$676.79$1,635.31$187,475.38
153Aug 2032$961.96$673.35$1,635.31$186,513.42
154Sep 2032$965.42$669.89$1,635.31$185,548.00
155Oct 2032$968.88$666.43$1,635.31$184,579.12
156Nov 2032$972.36$662.95$1,635.31$183,606.76
157Dec 2032$975.86$659.45$1,635.31$182,630.90
2032 Total$11,482.5$8,141.22$19,623.72
158Jan 2033$979.36$655.95$1,635.31$181,651.54
159Feb 2033$982.88$652.43$1,635.31$180,668.66
160Mar 2033$986.41$648.90$1,635.31$179,682.25
161Apr 2033$989.95$645.36$1,635.31$178,692.30
162May 2033$993.51$641.80$1,635.31$177,698.79
163Jun 2033$997.08$638.23$1,635.31$176,701.71
164Jul 2033$1,000.66$634.65$1,635.31$175,701.05
165Aug 2033$1,004.25$631.06$1,635.31$174,696.80
166Sep 2033$1,007.86$627.45$1,635.31$173,688.94
167Oct 2033$1,011.48$623.83$1,635.31$172,677.46
168Nov 2033$1,015.11$620.20$1,635.31$171,662.35
169Dec 2033$1,018.76$616.55$1,635.31$170,643.59
2033 Total$11,987.31$7,636.41$19,623.72
170Jan 2034$1,022.42$612.89$1,635.31$169,621.17
171Feb 2034$1,026.09$609.22$1,635.31$168,595.08
172Mar 2034$1,029.77$605.54$1,635.31$167,565.31
173Apr 2034$1,033.47$601.84$1,635.31$166,531.84
174May 2034$1,037.18$598.13$1,635.31$165,494.66
175Jun 2034$1,040.91$594.40$1,635.31$164,453.75
176Jul 2034$1,044.65$590.66$1,635.31$163,409.10
177Aug 2034$1,048.40$586.91$1,635.31$162,360.70
178Sep 2034$1,052.16$583.15$1,635.31$161,308.54
179Oct 2034$1,055.94$579.37$1,635.31$160,252.60
180Nov 2034$1,059.74$575.57$1,635.31$159,192.86
181Dec 2034$1,063.54$571.77$1,635.31$158,129.32
2034 Total$12,514.27$7,109.45$19,623.72
182Jan 2035$1,067.36$567.95$1,635.31$157,061.96
183Feb 2035$1,071.20$564.11$1,635.31$155,990.76
184Mar 2035$1,075.04$560.27$1,635.31$154,915.72
185Apr 2035$1,078.90$556.41$1,635.31$153,836.82
186May 2035$1,082.78$552.53$1,635.31$152,754.04
187Jun 2035$1,086.67$548.64$1,635.31$151,667.37
188Jul 2035$1,090.57$544.74$1,635.31$150,576.80
189Aug 2035$1,094.49$540.82$1,635.31$149,482.31
190Sep 2035$1,098.42$536.89$1,635.31$148,383.89
191Oct 2035$1,102.36$532.95$1,635.31$147,281.53
192Nov 2035$1,106.32$528.99$1,635.31$146,175.21
193Dec 2035$1,110.30$525.01$1,635.31$145,064.91
2035 Total$13,064.41$6,559.31$19,623.72
194Jan 2036$1,114.29$521.02$1,635.31$143,950.62
195Feb 2036$1,118.29$517.02$1,635.31$142,832.33
196Mar 2036$1,122.30$513.01$1,635.31$141,710.03
197Apr 2036$1,126.33$508.98$1,635.31$140,583.70
198May 2036$1,130.38$504.93$1,635.31$139,453.32
199Jun 2036$1,134.44$500.87$1,635.31$138,318.88
200Jul 2036$1,138.51$496.80$1,635.31$137,180.37
201Aug 2036$1,142.60$492.71$1,635.31$136,037.77
202Sep 2036$1,146.71$488.60$1,635.31$134,891.06
203Oct 2036$1,150.83$484.48$1,635.31$133,740.23
204Nov 2036$1,154.96$480.35$1,635.31$132,585.27
205Dec 2036$1,159.11$476.20$1,635.31$131,426.16
2036 Total$13,638.75$5,984.97$19,623.72
206Jan 2037$1,163.27$472.04$1,635.31$130,262.89
207Feb 2037$1,167.45$467.86$1,635.31$129,095.44
208Mar 2037$1,171.64$463.67$1,635.31$127,923.80
209Apr 2037$1,175.85$459.46$1,635.31$126,747.95
210May 2037$1,180.07$455.24$1,635.31$125,567.88
211Jun 2037$1,184.31$451.00$1,635.31$124,383.57
212Jul 2037$1,188.57$446.74$1,635.31$123,195.00
213Aug 2037$1,192.83$442.48$1,635.31$122,002.17
214Sep 2037$1,197.12$438.19$1,635.31$120,805.05
215Oct 2037$1,201.42$433.89$1,635.31$119,603.63
216Nov 2037$1,205.73$429.58$1,635.31$118,397.90
217Dec 2037$1,210.06$425.25$1,635.31$117,187.84
2037 Total$14,238.32$5,385.4$19,623.72
218Jan 2038$1,214.41$420.90$1,635.31$115,973.43
219Feb 2038$1,218.77$416.54$1,635.31$114,754.66
220Mar 2038$1,223.15$412.16$1,635.31$113,531.51
221Apr 2038$1,227.54$407.77$1,635.31$112,303.97
222May 2038$1,231.95$403.36$1,635.31$111,072.02
223Jun 2038$1,236.38$398.93$1,635.31$109,835.64
224Jul 2038$1,240.82$394.49$1,635.31$108,594.82
225Aug 2038$1,245.27$390.04$1,635.31$107,349.55
226Sep 2038$1,249.75$385.56$1,635.31$106,099.80
227Oct 2038$1,254.23$381.08$1,635.31$104,845.57
228Nov 2038$1,258.74$376.57$1,635.31$103,586.83
229Dec 2038$1,263.26$372.05$1,635.31$102,323.57
2038 Total$14,864.27$4,759.45$19,623.72
230Jan 2039$1,267.80$367.51$1,635.31$101,055.77
231Feb 2039$1,272.35$362.96$1,635.31$99,783.42
232Mar 2039$1,276.92$358.39$1,635.31$98,506.50
233Apr 2039$1,281.51$353.80$1,635.31$97,224.99
234May 2039$1,286.11$349.20$1,635.31$95,938.88
235Jun 2039$1,290.73$344.58$1,635.31$94,648.15
236Jul 2039$1,295.37$339.94$1,635.31$93,352.78
237Aug 2039$1,300.02$335.29$1,635.31$92,052.76
238Sep 2039$1,304.69$330.62$1,635.31$90,748.07
239Oct 2039$1,309.37$325.94$1,635.31$89,438.70
240Nov 2039$1,314.08$321.23$1,635.31$88,124.62
241Dec 2039$1,318.80$316.51$1,635.31$86,805.82
2039 Total$15,517.75$4,105.97$19,623.72
242Jan 2040$1,323.53$311.78$1,635.31$85,482.29
243Feb 2040$1,328.29$307.02$1,635.31$84,154.00
244Mar 2040$1,333.06$302.25$1,635.31$82,820.94
245Apr 2040$1,337.84$297.47$1,635.31$81,483.10
246May 2040$1,342.65$292.66$1,635.31$80,140.45
247Jun 2040$1,347.47$287.84$1,635.31$78,792.98
248Jul 2040$1,352.31$283.00$1,635.31$77,440.67
249Aug 2040$1,357.17$278.14$1,635.31$76,083.50
250Sep 2040$1,362.04$273.27$1,635.31$74,721.46
251Oct 2040$1,366.94$268.37$1,635.31$73,354.52
252Nov 2040$1,371.85$263.46$1,635.31$71,982.67
253Dec 2040$1,376.77$258.54$1,635.31$70,605.90
2040 Total$16,199.92$3,423.8$19,623.72
254Jan 2041$1,381.72$253.59$1,635.31$69,224.18
255Feb 2041$1,386.68$248.63$1,635.31$67,837.50
256Mar 2041$1,391.66$243.65$1,635.31$66,445.84
257Apr 2041$1,396.66$238.65$1,635.31$65,049.18
258May 2041$1,401.68$233.63$1,635.31$63,647.50
259Jun 2041$1,406.71$228.60$1,635.31$62,240.79
260Jul 2041$1,411.76$223.55$1,635.31$60,829.03
261Aug 2041$1,416.83$218.48$1,635.31$59,412.20
262Sep 2041$1,421.92$213.39$1,635.31$57,990.28
263Oct 2041$1,427.03$208.28$1,635.31$56,563.25
264Nov 2041$1,432.15$203.16$1,635.31$55,131.10
265Dec 2041$1,437.30$198.01$1,635.31$53,693.80
2041 Total$16,912.1$2,711.62$19,623.72
266Jan 2042$1,442.46$192.85$1,635.31$52,251.34
267Feb 2042$1,447.64$187.67$1,635.31$50,803.70
268Mar 2042$1,452.84$182.47$1,635.31$49,350.86
269Apr 2042$1,458.06$177.25$1,635.31$47,892.80
270May 2042$1,463.30$172.01$1,635.31$46,429.50
271Jun 2042$1,468.55$166.76$1,635.31$44,960.95
272Jul 2042$1,473.83$161.48$1,635.31$43,487.12
273Aug 2042$1,479.12$156.19$1,635.31$42,008.00
274Sep 2042$1,484.43$150.88$1,635.31$40,523.57
275Oct 2042$1,489.76$145.55$1,635.31$39,033.81
276Nov 2042$1,495.11$140.20$1,635.31$37,538.70
277Dec 2042$1,500.48$134.83$1,635.31$36,038.22
2042 Total$17,655.58$1,968.14$19,623.72
278Jan 2043$1,505.87$129.44$1,635.31$34,532.35
279Feb 2043$1,511.28$124.03$1,635.31$33,021.07
280Mar 2043$1,516.71$118.60$1,635.31$31,504.36
281Apr 2043$1,522.16$113.15$1,635.31$29,982.20
282May 2043$1,527.62$107.69$1,635.31$28,454.58
283Jun 2043$1,533.11$102.20$1,635.31$26,921.47
284Jul 2043$1,538.62$96.69$1,635.31$25,382.85
285Aug 2043$1,544.14$91.17$1,635.31$23,838.71
286Sep 2043$1,549.69$85.62$1,635.31$22,289.02
287Oct 2043$1,555.26$80.05$1,635.31$20,733.76
288Nov 2043$1,560.84$74.47$1,635.31$19,172.92
289Dec 2043$1,566.45$68.86$1,635.31$17,606.47
2043 Total$18,431.75$1,191.97$19,623.72
290Jan 2044$1,572.07$63.24$1,635.31$16,034.40
291Feb 2044$1,577.72$57.59$1,635.31$14,456.68
292Mar 2044$1,583.39$51.92$1,635.31$12,873.29
293Apr 2044$1,589.07$46.24$1,635.31$11,284.22
294May 2044$1,594.78$40.53$1,635.31$9,689.44
295Jun 2044$1,600.51$34.80$1,635.31$8,088.93
296Jul 2044$1,606.26$29.05$1,635.31$6,482.67
297Aug 2044$1,612.03$23.28$1,635.31$4,870.64
298Sep 2044$1,617.82$17.49$1,635.31$3,252.82
299Oct 2044$1,623.63$11.68$1,635.31$1,629.19
300Nov 2044$1,629.19$5.85$1,635.04$0.00
2044 Total$17,606.47$381.67$17,988.14
Compare your product with the big 4 banks, or add more products to compare
As seen on