Lump Sum Calculator

Lump Sum Calculator

Investor often have the option to either pay extra payments to the loan so as to accelerate the fulfilment of the loan agreement or pay a lump sum amount to the loan. A lump sum is a single payment of money as opposed to a series of payments made over time.

Investors usually finds themselves with extra assets and monies that could be used to pay the mortgage early. Smart Property Investment's lump sum repayment calculator determines exactly how much interest you could save over the years by adding a lump sum to your mortgage, the loan balance after five years, and the time and interest saved on your loan from adding this lump sum onto your loan.



Loan Amount
The total value of the loan applied for in a loan agreement.

Interest Rate
The amount of interest due per period, as a proportion of the amount loaned, deposited or borrowed.

Loan Term
The number of years needed to repay the loan, as indicated in the loan agreement.

Repayment Scheme/Frequency
The schedule in which repayment is made, whether the loan is paid every monthly, fortnightly, or on a weekly basis.

Lump Sum Amount
Amount to be paid as a large payment to your mortgage or loan agreement to satisfy and complete your agreement as early as possible.

Lump Sum Payment made after
Period of time that has passed from the start of the loan agreement until the current month when repayment was made in which the lump sum was applied to the loan agreement.

Monthly Repayments
An amount that estimates the value of monthly repayments to be made to use by investors to satisfy the loan.

Time Saved
Period of months or years in which the amount of extra contributions applied to the loan agreement that is subtracted from the stipulated period of time in the loan agreement.

Interest Saved
Amount of interest payments in which the amount of extra contributions applied to the loan agreement that is subtracted from the stipulated total repayments to be made in the loan agreement.


The information provided by the lump sum calculator is intended to provide examples based on stated assumptions and inputs entered and are meant as estimates. It is advised that you consult with your mortgage broker about your specific circumstances in paying a lump sum.

promoted stories

Top Suburbs

Highest annual price growth - click a suburb below to view full profile data:
BLUE BAY 43.96%
Lump Sum Calculator
SPI logo