These calculators are to be used as a guide only. They do not reflect comparison interest rates or true interest rates and are based on the assumption that interest rates will remain constant for the terms of the loans you have entered. The formula used for the purpose of calculating monthly repayments is based on daily compounded interest. Loan timeframes and total repayment amounts are calculated through principal and interest servicing. The results of these calculators do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time.