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Break cost calculator


Work out how many months it will take you to recover the costs of breaking your fixed interest rate loan. 


  • Overwrite defaults to suit your needs.
  • Enter your current fixed interest rate and the break costs estimated by your bank, then calculate.


Please enter digits only. Do not enter currency, commas, text or % symbol.

The calculations are a guide to a simple cost-benefit equation and are intended to be meaningful and useful.  The calculation does not allow for possible funding costs if break-fees are added to your loan, nor the opportunity costs of paying the break-fees in cash.  These cannot be accounted for without making this guide hard to use and, in our opinion, a bit meaningless.

New interest rate
Overtype with your loan balance
Bank fee to break loan plus other costs


This calculator is a guide and calculations may be rounded.