Interest-Only to P&I Transition Calculator — Avoid Payment Shock 2026

Find out exactly what happens to your repayments when your interest-only period ends. Compare your current IO payment against the upcoming P&I repayment and see the total interest cost of both strategies.

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Enter your details above to get instant, accurate results. Our calculator uses current Australian rates and rules — updated regularly.

Need help? Our guides explain how each calculation works and what the results mean for you.