ANZ Break Fee Calculator | Early Repayment Recovery Estimator

🏠 Loan Details

Enter the details as shown in your ANZ bank portal

Drawdown Date *

Original Drawdown Amount ($) *

Interest Rate (% p.a.) *

Fixed Rate Review Date *

Next Repayment Date *

Next Repayment Amount ($) *

Repayment Frequency *

Early Repayment Details

Early Repayment Date * When you plan to break the fixed rate

Balance at Early Repayment ($) * Your outstanding balance on that date

Type of Early Repayment

Extra Payment Amount ($) * Total extra amount (before 5% tolerance)

Overpayment Amount ($) * Amount in excess of the 5% tolerance (as used by ANZ)

Auto-Calculated Read-only

Fixed Term (days)

Days Remaining

5% Annual Tolerance

Overpayment (above tolerance)

📊 Wholesale Swap Rates

Enter NZD interest rate swap mid-rates for each tenor (% p.a.)

At Drawdown

—

At Early Repayment

—

See today's swap rates ↗

Interpolated Rate Read-only

Swap Rate at Drawdown (interpolated) —

💰 Estimated Break Fee

$0.00

Early Repayment Recovery Fee

First Amount

—

PV of cash flows at original balance

Second Amount

—

PV of reduced cash flows + overpayment

Overpayment Used

—

Amount above 5% tolerance

📋 First Amount — Detailed Breakdown

Date	Desc	Balance Before	Balance After	Adj Interest	k (days)	Discount Factor	Cash Flow	PV
Sum								—

📋 Second Amount — Detailed Breakdown

Date	Desc	Balance Before	Balance After	Adj Interest	k (days)	Discount Factor	Cash Flow	PV
Sum								—

📋 Discount Factor Table

Index	Day (j)	r(j) %	B(j)

🔄 Break & Refix Analysis

Is it worth paying the break fee?

New Rate Type

New Fixed Term

New Interest Rate (% p.a.)

Enter rate manually or fetch from ratesapi.nz

Interest Saved

—

Over remaining fixed rate period

Less Break Fee

—

Early Repayment Recovery Fee

Net Benefit

—

Over remaining fixed rate period