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Plan smarter.
Pay off your mortgage sooner.

Powerful planning tools and clear insights to help you save money and achieve financial freedom.

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See your payoff date
Save thousands
Stay on track
Current loan balance$0
stat term
Interest rate0.000%
stat frequency
Amortization period30 years
stat payment
Repayment frequencyMonthly
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Repayment$0
stat term

Mortgage calculator

Enter your loan details to estimate payoff timing.

Day / Month / Year
$
%

Strategy options

Choose one or more options to compare strategies.

Grow offset account

Offset is linked to the loan and reduces interest charged.

$
$

Extra payment

Add an extra repayment weekly, fortnightly, monthly, or yearly.

$

One-off lump sum

A single payment toward the home loan.

$

Monthly repayment breakdown

Based on the strategy options currently selected.

After selected strategy
Monthly repayment after strategy $0
This month to interest $0 After offset and lump sum are applied.
This month to principal $0 The part reducing your loan balance.
Interest saved this month $0 Compared with no strategy.

Interest comparison

See how each strategy performs on its own, then compare it with the live combined result from the options you select.

Clear side-by-side comparison
No strategy baseline $0

This is the estimated interest you would pay if you kept the loan as-is, with no offset, no extra repayments, and no lump sum.

Offset account only Based on your offset balance and offset growth.
Interest you pay$0
Interest you save$0

Shows how much interest is reduced by keeping money in offset against the loan.

Extra repayment only Based on the extra repayment amount and frequency.
Interest you pay$0
Interest you save$0

Shows the interest saving from paying extra on top of the normal repayment.

One-off lump sum only Based on a single lump sum payment made now.
Interest you pay$0
Interest you save$0

Shows the interest saving from putting one single payment into the loan. If the lump sum is $0, the saving will be $0.

All selected strategies

This combines the strategy options currently turned on in the calculator.

Live combined result
Interest you pay $0
Interest you save $0
Payoff time 0 months
New payoff date —

Mortgage balance over time

No strategyOffset onlyAll selected strategies
Payoff time (no strategy)30 years—
Payoff time (offset only)22 years 4 months—
Payoff time (all selected)0 months—
Time saved7 years 5 monthsPaid off 0 months sooner