Thrift Capital — Real Rate (Comparison) Calculator

Find your real rate

Loan amount (A$)

Repayment per month (A$) ?

Term (years)

Repayment frequency

monthly

Balloon / residual (A$) ?

Your real rate is the all‑in annualised cost (comparison rate/APR) implied by your repayments and any balloon. Use it to compare loans fairly.

Your real rate

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Effective p.a. (Nominal)

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Monthly repayment

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Balloon amount

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Total paid

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Term

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Loan amount

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Want a sharper rate? Thrift Capital can help — we’ll tailor options to your situation.