30-Year Daily Amortisation Calculator
Build a complete principal-and-interest schedule with weekly, monthly or yearly extra repayments, inspect the balance, interest and principal on any day across up to 30 years, and download every calculated day in a personalised PDF.
An estimate is the beginning.
Change the inputs, compare the result and download a branded report—then verify important decisions against actual lender policy and your complete circumstances.
30-year daily amortisation calculator
Build the complete principal-and-interest schedule, inspect any calendar day and download every calculated day in a personalised PDF.
Adjust it or enter the exact loan amount.
Set the rate, term and commencement date.
Model a regular extra repayment.
Choose weekly, monthly or yearly. The extra amount reduces principal on its modelled date and changes later daily interest.
Interest accrues on each day's opening principal at the annual rate divided by 365. Scheduled principal-and-interest repayments occur monthly. Any selected weekly, monthly or yearly extra repayment reduces principal on its modelled date.
Choose one day anywhere in the term.
Inspect the selected day in context.
All 10,958 days are calculated. For readability, display the nearby days or the complete contract year containing your selected date.
| Day | Date | Opening principal | Daily interest | Scheduled | Extra | Interest paid | Principal paid | Closing principal | Accrued interest |
|---|---|---|---|---|---|---|---|---|---|
| 48 | 15 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $1,829.94 |
| 49 | 16 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $1,937.58 |
| 50 | 17 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,045.23 |
| 51 | 18 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,152.87 |
| 52 | 19 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,260.52 |
| 53 | 20 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,368.16 |
| 54 | 21 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,475.80 |
| 55 | 22 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,583.45 |
| 56 | 23 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,691.09 |
| 57 | 24 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,798.73 |
| 58 | 25 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $2,906.38 |
| 59 | 26 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $3,014.02 |
| 60 | 27 Oct 2026 | $649,420.04 | $107.64 | — | — | — | — | $649,420.04 | $3,121.66 |
| 61PAYMENT 2 | 28 Oct 2026 | $649,420.04 | $107.64 | $3,919.89 | — | $3,229.31 | $690.58 | $648,729.46 | $0.00 |
| 62 | 29 Oct 2026 | $648,729.46 | $107.53 | — | — | — | — | $648,729.46 | $107.53 |
| 63 | 30 Oct 2026 | $648,729.46 | $107.53 | — | — | — | — | $648,729.46 | $215.06 |
| 64 | 31 Oct 2026 | $648,729.46 | $107.53 | — | — | — | — | $648,729.46 | $322.59 |
COMPLETE MONTHLY AMORTISATION Open all 360 scheduled repayment periods+
This is an educational principal-and-interest estimate using a fixed annual rate, a 365-day divisor (including leap years) and scheduled monthly repayments on the commencement-date anniversary. Selected extra repayments are modelled on weekly, monthly or yearly dates, but lender processing, repayment restrictions and rounding can differ. No offset, redraw, fees, missed payments or rate changes are included. An indicative payout balance is not a lender payout quote.
Download this calculation as a PDF.
The report includes the figures currently shown, Rockvale Finance contact details, the calculation assumptions and an important disclaimer.
The PDF includes all 10,958 calculated daily rows—not only monthly checkpoints.A full 30-year report can be hundreds of pages and may take up to a minute to prepare on a phone. Keep this page open while it generates.Results are estimates only and do not constitute credit, financial, tax or legal advice. They exclude some fees and may use simplified assumptions. Actual repayments, borrowing capacity, tax, costs and eligibility depend on lender or government rules and your complete circumstances.
Turn the estimate into a better question.
Build every elapsed calendar day across a principal-and-interest term of up to 30 years, test weekly, monthly or yearly additional repayments, inspect any chosen day and download the complete daily schedule as a personalised PDF.
- 01Adjust the loan slider or enter the exact opening balance
- 02Set the rate, term, commencement date and optional extra repayment
- 03Press calculate to build or refresh the daily schedule
- 04Search by day number, exact date or years plus months plus days
- 05Enter the client details and download every calculated day as a PDF
Important considerations.
- The daily rate is opening principal × annual rate ÷ 365
- Scheduled principal-and-interest repayments occur monthly on the loan commencement-date anniversary
- Additional repayments reduce principal on the modelled date, but a lender may process them differently
- The same interest rate is assumed throughout; offsets, redraw, fees, missed payments and rate changes are excluded
- Use the separate interest-only calculator for interest-only payments
Does the PDF include every day in the loan term?+
Yes. The personalised PDF includes every calculated calendar day. A 30-year term is approximately 10,950 days, and the exact row count can be higher because real calendar periods include leap years.
Can I find the loan balance on any day during a 30-year term?+
Yes. Enter an absolute day number, choose an exact calendar date or enter elapsed years, months and days.
Can I calculate weekly, monthly or yearly extra repayments?+
Yes. The model applies weekly extras every seven days, monthly extras on the scheduled repayment date and yearly extras on each twelve-month anniversary.
Where is the interest-only calculation?+
Interest-only is a separate calculator so it does not complicate the principal-and-interest amortisation schedule.
What does interest paid to date mean?+
It is the cumulative interest component covered by scheduled repayments up to the selected day. Interest accrued since the latest repayment is shown separately because it may not yet have been paid.
Why is principal paid shown as zero on most individual days?+
Interest accrues every day. Principal changes only when a scheduled principal component or selected extra repayment is applied.
What is the difference between principal balance and payout balance?+
Principal balance is the amount borrowed that remains unpaid. The indicative payout balance adds interest accrued since the latest repayment but excludes lender fees, adjustments and a formal payout calculation.
Will the result exactly match my lender?+
Not necessarily. Lenders can differ in transaction timing, rounding, repayment dates, rate changes, offsets, fees and account adjustments.