Smart Mortgage Planner is a fast, free mortgage planning tool for Australia. Plan today and enjoy tomorrow by comparing repayments, offset savings, extra payments, lump sums, interest saved, and payoff goals.
Enter your loan details to estimate payoff timing.
Choose one or more options to compare strategies.
Offset is linked to the loan and reduces interest charged.
Add an extra repayment weekly, fortnightly, monthly, or yearly.
A single payment toward the home loan.
Based on the strategy options currently selected.
See how each strategy performs on its own, then compare it with the live combined result from the options you select.
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.
Shows how much interest is reduced by keeping money in offset against the loan.
Shows the interest saving from paying extra on top of the normal repayment.
Shows the interest saving from putting one single payment into the loan. If the lump sum is $0, the saving will be $0.
This combines the strategy options currently turned on in the calculator.
Set your target payoff time and see the extra repayment needed.
Smart Mortgage Planner helps homeowners plan today and enjoy tomorrow by estimating how different repayment choices may affect their loan. Enter your balance, interest rate, amortization period, repayment frequency, offset balance, extra repayments, and lump sum payments to compare the estimated interest you pay and the interest you save.
Estimate how money kept in an offset or redraw account may reduce interest charged on your mortgage balance.
See the possible impact of weekly, fortnightly, monthly, or yearly extra repayments on your total interest and payoff time.
Compare the estimated saving from making a one-off payment toward the loan principal.
Set a target such as paying off your mortgage in 6 years and estimate the extra repayment needed to reach that goal.
Quick answers for people comparing mortgage repayment strategies.
It estimates repayments, interest paid, interest saved, payoff time, and the result of combining offset, extra repayment, and lump sum strategies.
Yes. You can compare the no-strategy baseline, offset only, extra repayments only, lump sum only, and all selected strategies together.
No. It is an educational estimate. Actual results can change because of interest-rate changes, lender fees, repayment rules, redraw rules, and offset account conditions.
