Essential Home Loan 100% Offset Fixed (Interest Only) 4 Years from Kogan Money

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$300,000
Advertised rate
4.91%
Fixed - 4 years
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,228
Number of Repayments
300
Total Interest Paid
$68,400
Total repayments
$368,400
DatePrincipleInterestPaymentBalance
1Dec 2019$510.58$1,227.50$1,738.08$299,489.42
2019 Total$510.58$1,227.5$1,738.08
2Jan 2020$512.67$1,225.41$1,738.08$298,976.75
3Feb 2020$514.77$1,223.31$1,738.08$298,461.98
4Mar 2020$516.87$1,221.21$1,738.08$297,945.11
5Apr 2020$518.99$1,219.09$1,738.08$297,426.12
6May 2020$521.11$1,216.97$1,738.08$296,905.01
7Jun 2020$523.24$1,214.84$1,738.08$296,381.77
8Jul 2020$525.38$1,212.70$1,738.08$295,856.39
9Aug 2020$527.53$1,210.55$1,738.08$295,328.86
10Sep 2020$529.69$1,208.39$1,738.08$294,799.17
11Oct 2020$531.86$1,206.22$1,738.08$294,267.31
12Nov 2020$534.04$1,204.04$1,738.08$293,733.27
13Dec 2020$536.22$1,201.86$1,738.08$293,197.05
2020 Total$6,292.37$14,564.59$20,856.96
14Jan 2021$538.42$1,199.66$1,738.08$292,658.63
15Feb 2021$540.62$1,197.46$1,738.08$292,118.01
16Mar 2021$542.83$1,195.25$1,738.08$291,575.18
17Apr 2021$545.05$1,193.03$1,738.08$291,030.13
18May 2021$547.28$1,190.80$1,738.08$290,482.85
19Jun 2021$549.52$1,188.56$1,738.08$289,933.33
20Jul 2021$551.77$1,186.31$1,738.08$289,381.56
21Aug 2021$554.03$1,184.05$1,738.08$288,827.53
22Sep 2021$556.29$1,181.79$1,738.08$288,271.24
23Oct 2021$558.57$1,179.51$1,738.08$287,712.67
24Nov 2021$560.86$1,177.22$1,738.08$287,151.81
25Dec 2021$563.15$1,174.93$1,738.08$286,588.66
2021 Total$6,608.39$14,248.57$20,856.96
26Jan 2022$565.45$1,172.63$1,738.08$286,023.21
27Feb 2022$567.77$1,170.31$1,738.08$285,455.44
28Mar 2022$570.09$1,167.99$1,738.08$284,885.35
29Apr 2022$572.42$1,165.66$1,738.08$284,312.93
30May 2022$574.77$1,163.31$1,738.08$283,738.16
31Jun 2022$577.12$1,160.96$1,738.08$283,161.04
32Jul 2022$579.48$1,158.60$1,738.08$282,581.56
33Aug 2022$581.85$1,156.23$1,738.08$281,999.71
34Sep 2022$584.23$1,153.85$1,738.08$281,415.48
35Oct 2022$586.62$1,151.46$1,738.08$280,828.86
36Nov 2022$589.02$1,149.06$1,738.08$280,239.84
37Dec 2022$591.43$1,146.65$1,738.08$279,648.41
2022 Total$6,940.25$13,916.71$20,856.96
38Jan 2023$593.85$1,144.23$1,738.08$279,054.56
39Feb 2023$596.28$1,141.80$1,738.08$278,458.28
40Mar 2023$598.72$1,139.36$1,738.08$277,859.56
41Apr 2023$601.17$1,136.91$1,738.08$277,258.39
42May 2023$603.63$1,134.45$1,738.08$276,654.76
43Jun 2023$606.10$1,131.98$1,738.08$276,048.66
44Jul 2023$608.58$1,129.50$1,738.08$275,440.08
45Aug 2023$611.07$1,127.01$1,738.08$274,829.01
46Sep 2023$613.57$1,124.51$1,738.08$274,215.44
47Oct 2023$616.08$1,122.00$1,738.08$273,599.36
48Nov 2023$618.60$1,119.48$1,738.08$272,980.76
49Dec 2023$621.13$1,116.95$1,738.08$272,359.63
2023 Total$7,288.78$13,568.18$20,856.96
50Jan 2024$623.68$1,114.40$1,738.08$271,735.95
51Feb 2024$626.23$1,111.85$1,738.08$271,109.72
52Mar 2024$628.79$1,109.29$1,738.08$270,480.93
53Apr 2024$631.36$1,106.72$1,738.08$269,849.57
54May 2024$633.95$1,104.13$1,738.08$269,215.62
55Jun 2024$636.54$1,101.54$1,738.08$268,579.08
56Jul 2024$639.14$1,098.94$1,738.08$267,939.94
57Aug 2024$641.76$1,096.32$1,738.08$267,298.18
58Sep 2024$644.38$1,093.70$1,738.08$266,653.80
59Oct 2024$647.02$1,091.06$1,738.08$266,006.78
60Nov 2024$649.67$1,088.41$1,738.08$265,357.11
61Dec 2024$652.33$1,085.75$1,738.08$264,704.78
2024 Total$7,654.85$13,202.11$20,856.96
62Jan 2025$655.00$1,083.08$1,738.08$264,049.78
63Feb 2025$657.68$1,080.40$1,738.08$263,392.10
64Mar 2025$660.37$1,077.71$1,738.08$262,731.73
65Apr 2025$663.07$1,075.01$1,738.08$262,068.66
66May 2025$665.78$1,072.30$1,738.08$261,402.88
67Jun 2025$668.51$1,069.57$1,738.08$260,734.37
68Jul 2025$671.24$1,066.84$1,738.08$260,063.13
69Aug 2025$673.99$1,064.09$1,738.08$259,389.14
70Sep 2025$676.75$1,061.33$1,738.08$258,712.39
71Oct 2025$679.52$1,058.56$1,738.08$258,032.87
72Nov 2025$682.30$1,055.78$1,738.08$257,350.57
73Dec 2025$685.09$1,052.99$1,738.08$256,665.48
2025 Total$8,039.3$12,817.66$20,856.96
74Jan 2026$687.89$1,050.19$1,738.08$255,977.59
75Feb 2026$690.71$1,047.37$1,738.08$255,286.88
76Mar 2026$693.53$1,044.55$1,738.08$254,593.35
77Apr 2026$696.37$1,041.71$1,738.08$253,896.98
78May 2026$699.22$1,038.86$1,738.08$253,197.76
79Jun 2026$702.08$1,036.00$1,738.08$252,495.68
80Jul 2026$704.95$1,033.13$1,738.08$251,790.73
81Aug 2026$707.84$1,030.24$1,738.08$251,082.89
82Sep 2026$710.73$1,027.35$1,738.08$250,372.16
83Oct 2026$713.64$1,024.44$1,738.08$249,658.52
84Nov 2026$716.56$1,021.52$1,738.08$248,941.96
85Dec 2026$719.49$1,018.59$1,738.08$248,222.47
2026 Total$8,443.01$12,413.95$20,856.96
86Jan 2027$722.44$1,015.64$1,738.08$247,500.03
87Feb 2027$725.39$1,012.69$1,738.08$246,774.64
88Mar 2027$728.36$1,009.72$1,738.08$246,046.28
89Apr 2027$731.34$1,006.74$1,738.08$245,314.94
90May 2027$734.33$1,003.75$1,738.08$244,580.61
91Jun 2027$737.34$1,000.74$1,738.08$243,843.27
92Jul 2027$740.35$997.73$1,738.08$243,102.92
93Aug 2027$743.38$994.70$1,738.08$242,359.54
94Sep 2027$746.43$991.65$1,738.08$241,613.11
95Oct 2027$749.48$988.60$1,738.08$240,863.63
96Nov 2027$752.55$985.53$1,738.08$240,111.08
97Dec 2027$755.63$982.45$1,738.08$239,355.45
2027 Total$8,867.02$11,989.94$20,856.96
98Jan 2028$758.72$979.36$1,738.08$238,596.73
99Feb 2028$761.82$976.26$1,738.08$237,834.91
100Mar 2028$764.94$973.14$1,738.08$237,069.97
101Apr 2028$768.07$970.01$1,738.08$236,301.90
102May 2028$771.21$966.87$1,738.08$235,530.69
103Jun 2028$774.37$963.71$1,738.08$234,756.32
104Jul 2028$777.54$960.54$1,738.08$233,978.78
105Aug 2028$780.72$957.36$1,738.08$233,198.06
106Sep 2028$783.91$954.17$1,738.08$232,414.15
107Oct 2028$787.12$950.96$1,738.08$231,627.03
108Nov 2028$790.34$947.74$1,738.08$230,836.69
109Dec 2028$793.57$944.51$1,738.08$230,043.12
2028 Total$9,312.33$11,544.63$20,856.96
110Jan 2029$796.82$941.26$1,738.08$229,246.30
111Feb 2029$800.08$938.00$1,738.08$228,446.22
112Mar 2029$803.35$934.73$1,738.08$227,642.87
113Apr 2029$806.64$931.44$1,738.08$226,836.23
114May 2029$809.94$928.14$1,738.08$226,026.29
115Jun 2029$813.26$924.82$1,738.08$225,213.03
116Jul 2029$816.58$921.50$1,738.08$224,396.45
117Aug 2029$819.92$918.16$1,738.08$223,576.53
118Sep 2029$823.28$914.80$1,738.08$222,753.25
119Oct 2029$826.65$911.43$1,738.08$221,926.60
120Nov 2029$830.03$908.05$1,738.08$221,096.57
121Dec 2029$833.43$904.65$1,738.08$220,263.14
2029 Total$9,779.98$11,076.98$20,856.96
122Jan 2030$836.84$901.24$1,738.08$219,426.30
123Feb 2030$840.26$897.82$1,738.08$218,586.04
124Mar 2030$843.70$894.38$1,738.08$217,742.34
125Apr 2030$847.15$890.93$1,738.08$216,895.19
126May 2030$850.62$887.46$1,738.08$216,044.57
127Jun 2030$854.10$883.98$1,738.08$215,190.47
128Jul 2030$857.59$880.49$1,738.08$214,332.88
129Aug 2030$861.10$876.98$1,738.08$213,471.78
130Sep 2030$864.62$873.46$1,738.08$212,607.16
131Oct 2030$868.16$869.92$1,738.08$211,739.00
132Nov 2030$871.71$866.37$1,738.08$210,867.29
133Dec 2030$875.28$862.80$1,738.08$209,992.01
2030 Total$10,271.13$10,585.83$20,856.96
134Jan 2031$878.86$859.22$1,738.08$209,113.15
135Feb 2031$882.46$855.62$1,738.08$208,230.69
136Mar 2031$886.07$852.01$1,738.08$207,344.62
137Apr 2031$889.69$848.39$1,738.08$206,454.93
138May 2031$893.34$844.74$1,738.08$205,561.59
139Jun 2031$896.99$841.09$1,738.08$204,664.60
140Jul 2031$900.66$837.42$1,738.08$203,763.94
141Aug 2031$904.35$833.73$1,738.08$202,859.59
142Sep 2031$908.05$830.03$1,738.08$201,951.54
143Oct 2031$911.76$826.32$1,738.08$201,039.78
144Nov 2031$915.49$822.59$1,738.08$200,124.29
145Dec 2031$919.24$818.84$1,738.08$199,205.05
2031 Total$10,786.96$10,070$20,856.96
146Jan 2032$923.00$815.08$1,738.08$198,282.05
147Feb 2032$926.78$811.30$1,738.08$197,355.27
148Mar 2032$930.57$807.51$1,738.08$196,424.70
149Apr 2032$934.38$803.70$1,738.08$195,490.32
150May 2032$938.20$799.88$1,738.08$194,552.12
151Jun 2032$942.04$796.04$1,738.08$193,610.08
152Jul 2032$945.89$792.19$1,738.08$192,664.19
153Aug 2032$949.76$788.32$1,738.08$191,714.43
154Sep 2032$953.65$784.43$1,738.08$190,760.78
155Oct 2032$957.55$780.53$1,738.08$189,803.23
156Nov 2032$961.47$776.61$1,738.08$188,841.76
157Dec 2032$965.40$772.68$1,738.08$187,876.36
2032 Total$11,328.69$9,528.27$20,856.96
158Jan 2033$969.35$768.73$1,738.08$186,907.01
159Feb 2033$973.32$764.76$1,738.08$185,933.69
160Mar 2033$977.30$760.78$1,738.08$184,956.39
161Apr 2033$981.30$756.78$1,738.08$183,975.09
162May 2033$985.32$752.76$1,738.08$182,989.77
163Jun 2033$989.35$748.73$1,738.08$182,000.42
164Jul 2033$993.39$744.69$1,738.08$181,007.03
165Aug 2033$997.46$740.62$1,738.08$180,009.57
166Sep 2033$1,001.54$736.54$1,738.08$179,008.03
167Oct 2033$1,005.64$732.44$1,738.08$178,002.39
168Nov 2033$1,009.75$728.33$1,738.08$176,992.64
169Dec 2033$1,013.89$724.19$1,738.08$175,978.75
2033 Total$11,897.61$8,959.35$20,856.96
170Jan 2034$1,018.03$720.05$1,738.08$174,960.72
171Feb 2034$1,022.20$715.88$1,738.08$173,938.52
172Mar 2034$1,026.38$711.70$1,738.08$172,912.14
173Apr 2034$1,030.58$707.50$1,738.08$171,881.56
174May 2034$1,034.80$703.28$1,738.08$170,846.76
175Jun 2034$1,039.03$699.05$1,738.08$169,807.73
176Jul 2034$1,043.28$694.80$1,738.08$168,764.45
177Aug 2034$1,047.55$690.53$1,738.08$167,716.90
178Sep 2034$1,051.84$686.24$1,738.08$166,665.06
179Oct 2034$1,056.14$681.94$1,738.08$165,608.92
180Nov 2034$1,060.46$677.62$1,738.08$164,548.46
181Dec 2034$1,064.80$673.28$1,738.08$163,483.66
2034 Total$12,495.09$8,361.87$20,856.96
182Jan 2035$1,069.16$668.92$1,738.08$162,414.50
183Feb 2035$1,073.53$664.55$1,738.08$161,340.97
184Mar 2035$1,077.93$660.15$1,738.08$160,263.04
185Apr 2035$1,082.34$655.74$1,738.08$159,180.70
186May 2035$1,086.77$651.31$1,738.08$158,093.93
187Jun 2035$1,091.21$646.87$1,738.08$157,002.72
188Jul 2035$1,095.68$642.40$1,738.08$155,907.04
189Aug 2035$1,100.16$637.92$1,738.08$154,806.88
190Sep 2035$1,104.66$633.42$1,738.08$153,702.22
191Oct 2035$1,109.18$628.90$1,738.08$152,593.04
192Nov 2035$1,113.72$624.36$1,738.08$151,479.32
193Dec 2035$1,118.28$619.80$1,738.08$150,361.04
2035 Total$13,122.62$7,734.34$20,856.96
194Jan 2036$1,122.85$615.23$1,738.08$149,238.19
195Feb 2036$1,127.45$610.63$1,738.08$148,110.74
196Mar 2036$1,132.06$606.02$1,738.08$146,978.68
197Apr 2036$1,136.69$601.39$1,738.08$145,841.99
198May 2036$1,141.34$596.74$1,738.08$144,700.65
199Jun 2036$1,146.01$592.07$1,738.08$143,554.64
200Jul 2036$1,150.70$587.38$1,738.08$142,403.94
201Aug 2036$1,155.41$582.67$1,738.08$141,248.53
202Sep 2036$1,160.14$577.94$1,738.08$140,088.39
203Oct 2036$1,164.89$573.19$1,738.08$138,923.50
204Nov 2036$1,169.65$568.43$1,738.08$137,753.85
205Dec 2036$1,174.44$563.64$1,738.08$136,579.41
2036 Total$13,781.63$7,075.33$20,856.96
206Jan 2037$1,179.24$558.84$1,738.08$135,400.17
207Feb 2037$1,184.07$554.01$1,738.08$134,216.10
208Mar 2037$1,188.91$549.17$1,738.08$133,027.19
209Apr 2037$1,193.78$544.30$1,738.08$131,833.41
210May 2037$1,198.66$539.42$1,738.08$130,634.75
211Jun 2037$1,203.57$534.51$1,738.08$129,431.18
212Jul 2037$1,208.49$529.59$1,738.08$128,222.69
213Aug 2037$1,213.44$524.64$1,738.08$127,009.25
214Sep 2037$1,218.40$519.68$1,738.08$125,790.85
215Oct 2037$1,223.39$514.69$1,738.08$124,567.46
216Nov 2037$1,228.39$509.69$1,738.08$123,339.07
217Dec 2037$1,233.42$504.66$1,738.08$122,105.65
2037 Total$14,473.76$6,383.2$20,856.96
218Jan 2038$1,238.46$499.62$1,738.08$120,867.19
219Feb 2038$1,243.53$494.55$1,738.08$119,623.66
220Mar 2038$1,248.62$489.46$1,738.08$118,375.04
221Apr 2038$1,253.73$484.35$1,738.08$117,121.31
222May 2038$1,258.86$479.22$1,738.08$115,862.45
223Jun 2038$1,264.01$474.07$1,738.08$114,598.44
224Jul 2038$1,269.18$468.90$1,738.08$113,329.26
225Aug 2038$1,274.37$463.71$1,738.08$112,054.89
226Sep 2038$1,279.59$458.49$1,738.08$110,775.30
227Oct 2038$1,284.82$453.26$1,738.08$109,490.48
228Nov 2038$1,290.08$448.00$1,738.08$108,200.40
229Dec 2038$1,295.36$442.72$1,738.08$106,905.04
2038 Total$15,200.61$5,656.35$20,856.96
230Jan 2039$1,300.66$437.42$1,738.08$105,604.38
231Feb 2039$1,305.98$432.10$1,738.08$104,298.40
232Mar 2039$1,311.33$426.75$1,738.08$102,987.07
233Apr 2039$1,316.69$421.39$1,738.08$101,670.38
234May 2039$1,322.08$416.00$1,738.08$100,348.30
235Jun 2039$1,327.49$410.59$1,738.08$99,020.81
236Jul 2039$1,332.92$405.16$1,738.08$97,687.89
237Aug 2039$1,338.37$399.71$1,738.08$96,349.52
238Sep 2039$1,343.85$394.23$1,738.08$95,005.67
239Oct 2039$1,349.35$388.73$1,738.08$93,656.32
240Nov 2039$1,354.87$383.21$1,738.08$92,301.45
241Dec 2039$1,360.41$377.67$1,738.08$90,941.04
2039 Total$15,964$4,892.96$20,856.96
242Jan 2040$1,365.98$372.10$1,738.08$89,575.06
243Feb 2040$1,371.57$366.51$1,738.08$88,203.49
244Mar 2040$1,377.18$360.90$1,738.08$86,826.31
245Apr 2040$1,382.82$355.26$1,738.08$85,443.49
246May 2040$1,388.47$349.61$1,738.08$84,055.02
247Jun 2040$1,394.15$343.93$1,738.08$82,660.87
248Jul 2040$1,399.86$338.22$1,738.08$81,261.01
249Aug 2040$1,405.59$332.49$1,738.08$79,855.42
250Sep 2040$1,411.34$326.74$1,738.08$78,444.08
251Oct 2040$1,417.11$320.97$1,738.08$77,026.97
252Nov 2040$1,422.91$315.17$1,738.08$75,604.06
253Dec 2040$1,428.73$309.35$1,738.08$74,175.33
2040 Total$16,765.71$4,091.25$20,856.96
254Jan 2041$1,434.58$303.50$1,738.08$72,740.75
255Feb 2041$1,440.45$297.63$1,738.08$71,300.30
256Mar 2041$1,446.34$291.74$1,738.08$69,853.96
257Apr 2041$1,452.26$285.82$1,738.08$68,401.70
258May 2041$1,458.20$279.88$1,738.08$66,943.50
259Jun 2041$1,464.17$273.91$1,738.08$65,479.33
260Jul 2041$1,470.16$267.92$1,738.08$64,009.17
261Aug 2041$1,476.18$261.90$1,738.08$62,532.99
262Sep 2041$1,482.22$255.86$1,738.08$61,050.77
263Oct 2041$1,488.28$249.80$1,738.08$59,562.49
264Nov 2041$1,494.37$243.71$1,738.08$58,068.12
265Dec 2041$1,500.48$237.60$1,738.08$56,567.64
2041 Total$17,607.69$3,249.27$20,856.96
266Jan 2042$1,506.62$231.46$1,738.08$55,061.02
267Feb 2042$1,512.79$225.29$1,738.08$53,548.23
268Mar 2042$1,518.98$219.10$1,738.08$52,029.25
269Apr 2042$1,525.19$212.89$1,738.08$50,504.06
270May 2042$1,531.43$206.65$1,738.08$48,972.63
271Jun 2042$1,537.70$200.38$1,738.08$47,434.93
272Jul 2042$1,543.99$194.09$1,738.08$45,890.94
273Aug 2042$1,550.31$187.77$1,738.08$44,340.63
274Sep 2042$1,556.65$181.43$1,738.08$42,783.98
275Oct 2042$1,563.02$175.06$1,738.08$41,220.96
276Nov 2042$1,569.42$168.66$1,738.08$39,651.54
277Dec 2042$1,575.84$162.24$1,738.08$38,075.70
2042 Total$18,491.94$2,365.02$20,856.96
278Jan 2043$1,582.29$155.79$1,738.08$36,493.41
279Feb 2043$1,588.76$149.32$1,738.08$34,904.65
280Mar 2043$1,595.26$142.82$1,738.08$33,309.39
281Apr 2043$1,601.79$136.29$1,738.08$31,707.60
282May 2043$1,608.34$129.74$1,738.08$30,099.26
283Jun 2043$1,614.92$123.16$1,738.08$28,484.34
284Jul 2043$1,621.53$116.55$1,738.08$26,862.81
285Aug 2043$1,628.17$109.91$1,738.08$25,234.64
286Sep 2043$1,634.83$103.25$1,738.08$23,599.81
287Oct 2043$1,641.52$96.56$1,738.08$21,958.29
288Nov 2043$1,648.23$89.85$1,738.08$20,310.06
289Dec 2043$1,654.98$83.10$1,738.08$18,655.08
2043 Total$19,420.62$1,436.34$20,856.96
290Jan 2044$1,661.75$76.33$1,738.08$16,993.33
291Feb 2044$1,668.55$69.53$1,738.08$15,324.78
292Mar 2044$1,675.38$62.70$1,738.08$13,649.40
293Apr 2044$1,682.23$55.85$1,738.08$11,967.17
294May 2044$1,689.11$48.97$1,738.08$10,278.06
295Jun 2044$1,696.03$42.05$1,738.08$8,582.03
296Jul 2044$1,702.97$35.11$1,738.08$6,879.06
297Aug 2044$1,709.93$28.15$1,738.08$5,169.13
298Sep 2044$1,716.93$21.15$1,738.08$3,452.20
299Oct 2044$1,723.95$14.13$1,738.08$1,728.25
300Nov 2044$1,728.25$7.07$1,735.32$0.00
2044 Total$18,655.08$461.04$19,116.12
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