Loans
Flexible Loan: Periodic Principal
Interest is charged monthly on the outstanding balance. Principal is repaid in periodic lump sums every N months. Generates a full date-based amortisation schedule with holiday-aware payment dates.
First payment: 2026-10-29
Principal repayment
Split evenly across the termMonths between principal payments
Interest is paid every month.
Total Amount Paid
$10,758.33
12 payments · 29 Sept 2027
Total Principal
$10,000.00
Total Interest
$758.33
7.6% of the loan
Interest between lump sums
$100.00
A month with no principal due
Principal Lump Sum
$2,500.00
Every 3 months
29 Sept 2026
The balance holds flat between lump sums, then steps down. Interest is charged on whatever is still outstanding, so it only falls after a step.
Interest is charged over the actual days between payment dates. Moving a payment off a Sunday or a public holiday lengthens that gap, so the skip rule changes what you pay.