Interest-free deal calculator

Check whether an interest-free deal still stacks up once fees and the repayment schedule are included. It is helpful for seeing the real cost behind a seemingly simple offer.

What this native port captures

Monthly repayment needed to avoid interest at the end of the deal
Application, monthly and annual fee treatment aligned to the MoneySmart model
Statement guidance when longer deals may show a lower minimum repayment

Deal inputs

Start with the remaining balance, the months left on the deal, and any fees charged alongside the purchase.

Results

The target repayment below is the monthly amount required to clear the balance within the interest-free period and avoid interest.

You must pay each month $215.37

Total cost $2,584.40

Total fees $84.40

Annual fees included $0.00

This scenario assumes 12 months remaining on the deal and spreads any annual fees across that period for repayment planning.

The monthly target includes $4.95 in monthly or processing fees and $0.00 in annual-fee allocation each month.

Fee breakdown

Amount financed	$2,500.00
Application fee	$25.00
Monthly fees over term	$59.40
Annual fees over term	$0.00

Warning: if you do not repay $215.37 each month, or if you miss payments, you may be charged interest on the remaining balance.

How these estimates work

This calculator assumes you will not make additional purchases on the card or account.
Repayments are modeled monthly.
Late fees and penalty interest are not included.
Annual fees are charged for each commenced 12-month block within the remaining deal period.