Calculators
Loans
Compound Loan: Multiple Rates
Build a full amortisation schedule for a loan with changing interest rate periods. Track actual payments and calculate overdue penalty fees.
$
Rate Periods
%
$
Recalculated at this rate change
%
$
Recalculated at this rate change
Total repaid
$22,176.62
24 payments · 29 Aug 2028
Total interest
$2,176.62
Payments
24
Final payment
29 Aug 2028
By rate period
| Period | Rate | From | Payment | Payments |
|---|---|---|---|---|
| 1 | 9.00% | 29 Oct 2026 | $913.69 | 13 |
| 2 | 14.00% | 29 Oct 2027 | $936.24 | 11 |
29 Sept 2026
The dashed lines mark each rate change, where the payment is recalculated from the balance still owed.
Overdue payments
Enter a date to see penalty fees on all unpaid or partially paid instalments.
%
No overdue payments found as of this date.