See exactly how much of each repayment goes to principal vs. interest, how much your offset account saves, how extra repayments cut years off your term — and when you'll be mortgage-free.
Thinking about paying extra? See what extra repayments do to a mortgage
A free home loan calculator and mortgage repayment calculator built for Australia. Model your mortgage the way it actually behaves — then compare strategies side by side.
A precise mortgage repayment schedule, period by period, with full support for offset accounts and extra repayments.
Interactive charts showing balance over time, interest breakdown, and scenario comparisons.
No login required. All data stays on your device. A free mortgage calculator you can use in seconds.
Plain-English guides to how Australian home loans actually work.
Offset accounts · 6 min read
How an offset account works: it reduces the balance your interest is calculated on daily. The mechanism, the tax quirk, and when it is not worth the fee.
Loan basics · 5 min read
In the early years of a home loan most of what you pay is interest. Understanding the split explains why extra repayments early are so much more powerful.
Paying off faster · 5 min read
Small regular extra repayments compound into years off your mortgage. Why the effect is bigger than expected, and what to check before you start.