Free calculator

Seasonal repayment schedule

Shape a year of loan repayments around your harvest: pay more in the months the money comes in and less in the rest.

Worked out only in your browser; nothing is sent or saved. We do not publish rates or fees: use the ones from your own quote.

For example 250,000

From your quote

The months your main income arrives (1 to 4)

What these numbers mean
  • The big number is the repayment in each harvest month.
  • Level monthly repayment is what a normal loan with the same rate and term would need each month.
  • The yearly total stays the same. It is just spread unevenly. See seasonal finance.

Good to know

  • This keeps each year's total equal to 12 level monthly repayments and only moves money between months. That is a simplification.
  • Real seasonal loans are worked out differently: paying later in the year changes the interest, so a lender's schedule and totals will not match this exactly.
  • At 100% nothing is paid in the off-season months. Ask your lender whether that is possible.
  • This is a guide only, not a quote, an offer of finance, a borrowing limit or financial, legal or tax advice.

Ask us about seasonal repayments Cash-flow planner Repayment calculator

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