Chart your balance and interest over the life of the loan. Then drop in the real things that happen — rate moves, lump sums, a repayment holiday — and watch the curve bend.
One chart, your whole loan
Most calculators give you a single number. ezyplan draws the whole story — and lets you toggle each layer on or off.
The headline curve — every dollar you still owe, falling to zero.
The true cost, adding up — so the saving from any decision is obvious.
Each year split into principal and interest. See the crossover.
The headline curve — every dollar you still owe, falling to zero.
The true cost, adding up — so the saving from any decision is obvious.
Each year split into principal and interest. See the crossover.
Plan for real life
A rate hike. A bonus paid straight off the principal. Six months off after a baby. Pick the event, drop it on the year it happens, and the whole curve re-draws.
Structure, not guesswork
Fix a chunk for certainty, float a chunk for flexibility, keep a revolving line for redraw. ezyplan stacks them into one burndown and shows your blended rate — and it stays in sync with your plan.
For professionals
Model scenarios live in a meeting, share a branded plan, and let clients see exactly how today's decision plays out over thirty years. White-label ezyplan in your colours.
Talk to us about pro accessGood to know
Both — it starts with accurate amortisation maths, then layers on the events and structure changes that real loans go through, so the numbers reflect your actual plan.
Yes — owner-occupier or investment, principal-and-interest or interest-only, fixed, variable or split. Australian dollars, weekly / fortnightly / monthly repayments.
The engine uses standard amortisation, so it lines up closely. ezyplan is for planning and comparison — your lender’s statement remains the source of truth.
We’re in private beta now. Join the waitlist and we’ll send you early access as we roll out.
Early access
Be first to try ezyplan. We’ll send an invite the moment your spot opens.