Calculator
Clawback risk calculator
Standard Australian sliding schedule: 100% clawback inside 12 months, 50% inside 24, zero after. Plug in your upfront and the months since settlement to see what is exposed.
Inputs
Most lenders use 100% claw inside 12 months, 50% inside 24, zero after. Some have variations — check your accreditation paperwork.
Exposure today
$8,000
Clawback rate at this age100%
Months until zero exposure15m
Trail AI flags clawback-window loans (12–24 months) automatically and surfaces them as C-grade in the valuation PDF so a buyer can see the risk explicitly.
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