Free mortgage strategy tool
Turn thirty years into one clear line.
Estimate repayments, compare your offset and extra-payment strategy, and see how the balance may change through time.
Runs in your browserNothing is savedOffset-aware comparison
Estimated required repayment
—per month
Adjust your loan to compare the payoff paths.
—years sooner
Balance trajectory
Your plan against minimum repayments
Your strategyMinimum repayment, no offset
Rate stress test
If the interest rate changed
First 12 months
Principal versus interest
Principal —Interest —
Your personalised analysis will appear here.
View yearly balance milestones
| Year | Minimum / no offset | Your strategy |
|---|
How offset is modelled
Your repayment stays working.
The offset reduces the balance charged interest while the original required repayment remains constant. That difference goes toward principal and may shorten the loan.
Read the comparison carefully
A model, not a lender quote.
Interest is estimated per repayment period. Most lenders calculate interest daily and may use different rounding, timing, offset eligibility and minimum-repayment rules.
Methodology & assumptions
A transparent principal-and-interest model.
The required repayment uses the standard amortising-loan formula. The comparison holds the rate, frequency, offset balance and extra repayment constant. It excludes fees, redraws, introductory periods, changing rates, lender rounding, property costs and affordability tests.
General information only. Results are estimates, not a prediction, credit assessment or financial advice. Confirm repayments and features with your lender.