Split Loan Calculator

Model a loan split between a fixed and variable rate — and see how the split protects you if rates rise.

Combined repayment $0 per month
Combined repayment
$0
per month · across both portions
Fixed: $0 @ 0%
Variable: $0 @ 0%
Your loan split
50%
50%
Fixed: $300,000 Variable: $300,000
Fixed portion
Amount$0
Rate0%
Fixed for0 yrs
Repayment$0/mo
Variable portion
Amount$0
Rate0%
Can changeAnytime
Repayment$0/mo
Repayment now
$0
per month
→
After your fixed period ends
$0
per month
If rates change — how the split protects you
Your split loan repayment change $0/mo
If this loan were 100% variable $0/mo
Total interest
$0
over loan term (at current rates)
Fixed portion ends
Year 0
then reverts to variable
Variable share
0%
of total loan
Balance by portion over time
Year 1
Fixed portion
$0
Variable portion
$0
Combined
$0
👆 Tap or drag on the chart to see year-by-year details
Not sure what split is right for you?
The right fixed/variable mix depends on your risk tolerance, plans, and the rate outlook. Get a free, tailored recommendation from a broker.
🔒 No spam, ever ⏱️ Takes 30 seconds ✅ Obligation-free
💬
Want help locking in a fixed rate?
Fixed rates change daily and some lenders let you "rate lock" while your application is processed. A broker can help you time it.
Loan details $600,000 · 30 yrs · Monthly
⌄
Total loan amount
$
Loan term
yrs
Repayment frequency
The split 50% fixed / 50% variable
⌄
Fixed portion Remainder goes to variable
%
Fixed rate
%
Fixed rate period After this, the fixed portion reverts to the variable rate
yrs
Variable rate
%
What if rates change? No change (0.00%)
⌄
Model what happens to your repayments if variable rates move. This applies to your variable portion now, and to your fixed portion once it reverts.
Variable rate change + for a rise, − for a cut
%