Mortgage payoff playground
General information only — not personal financial advice.
Pay off faster
Adjust every lever below — frequency, extras, offset, lump sums, and rate review — then see your new payoff date and interest saved.
Years saved
9 yrs 3 mo
Off your remaining term
Interest torched
$272,045
Estimated lifetime interest saved
Your plan
75% complete
Loan basics
Repayment tricks
Offset & lump sums
Rate review
$272,045 saved · 9y 3m off
Estimated savings
$272,045
in interest over the life of your loan
9 yrs 3 mo off your remaining term
Your scenario
$1,953 per fortnight
Payoff in 18 yrs 9 mo
~April 2045
Current loan
$3,805 per month
Payoff in 28 yrs
~July 2054
Comparison
Hover or tap a bar to highlight — amounts shown on the right and in the callout below.
Interest saved vs current loan: $272,045 (40.1% less)
Smart insights
Illustration onlyKeyDebt-free around April 2045
Your stacked plan pays the loan off 9 yrs 3 mo sooner than staying on minimum monthly repayments — about $272,045 less interest.
NoteCheck your rate first
At 6.30% p.a., a 0.40% loyalty-tax fix often beats years of small extras. Toggle "Rate review" above to model a sharper refinance rate.
Tipfortnightly (half-monthly) schedule alone
Switching to fortnightly (half-monthly) (no extras) saves about $142,837 vs monthly minimum — before offset, lump sums, or a rate cut.
TipExtra $50 per fortnight
Your extra repayments are working — every dollar above minimum goes straight to principal after interest.
These scenarios use your inputs and standard amortisation maths. Lender fees, break costs, redraw rules, and your actual product features may differ. Not personal financial advice — speak with a broker before changing your loan.
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Save different setups side-by-side — try fortnightly vs rate cut vs full stack.
Rate matters more than tactics. Even the best fortnightly + offset plan loses to a 0.4% rate cut. Request a 15-minute rate review.
General information only. These calculators provide estimates based on the numbers you enter. They do not constitute credit advice, take your full situation into account, or replace a lender's assessment. Fees, eligibility, and actual offers vary. Speak with a broker for guidance tailored to you.