Introductory Rate Loan Calculator

See what happens to your repayments when a honeymoon rate ends — and how to avoid "payment shock."

Intro repayment $0 then $0 after
Your introductory repayment
$0
per month for the first 12 months
Intro rate: 0%
Revert rate: 0%
Your rate timeline
12 months
29 years
Intr: 5.00% Revert: 6.50%
During intro period
$0
per month
→
After intro period ends
$0
per month
Payment shock
+$0/mo
your repayment increases by 0% when the intro rate ends
💡 Smart strategy: turn on "Bank the difference" below to pay your future repayment amount from day one — building extra equity during the intro period and softening (or eliminating) the payment shock.
Total interest
$0
over loan term
Balance at revert
$0
when intro period ends
Intro savings
$0
vs revert rate from day one
Balance over time
Year 1
Balance
$0
Repayment this year
$0
👆 Tap or drag on the chart to see year-by-year details
Worried about payment shock?
A broker can help you plan ahead, set up automatic extra repayments, or find a loan with a smaller rate jump. Get a free, no-obligation review.
🔒 No spam, ever ⏱️ Takes 30 seconds ✅ Obligation-free
💬
Shopping around for an intro offer?
Not all honeymoon rates are equal — some have smaller jumps, shorter clawback periods, or extra fees. A broker can compare the fine print for you.
Loan details $600,000 · 30 yrs · Monthly
⌄
Loan amount
$
Loan term
yrs
Repayment frequency
Introductory offer 5.00% for 12 mo · then 6.50%
⌄
Introductory rate
%
Introductory period Typically 6–24 months
mo
Revert rate The lender's standard rate after the intro period
%
Bank the difference Off — repay only the minimum during intro
⌄
Bank the difference during intro Pay extra now, equal to your future repayment increase
With this on, you'll pay an extra $0/mo during your intro period — the estimated gap between your intro repayment and your revert repayment. This builds extra equity, so when the rate reverts, your new repayment is calculated on a smaller balance.