Mortgage details
Change any field to update the calculation instantly.
Extra repayments use the selected repayment frequency.
Your mortgage
Principal vs interest over the life of the loan
Loan burndown
See how your balance falls over time and how extra repayments change the payoff date.
Standard loan
With extra repayments
Extra repayments
See how regular extra payments can reduce your loan term and total interest.
Repayment frequency
Switch between monthly, fortnightly and weekly repayments.
Principal vs interest
See how much of the total amount repaid is principal versus interest.
Frequently asked questions
Can I use this in any country?
Yes. The mortgage maths is generic and no local taxes, concessions or lending rules are applied. Enter values in your own currency.
What do extra repayments change?
They reduce the outstanding balance faster, which can shorten the loan and reduce total interest.
Does it include fees or variable-rate changes?
No. It assumes a constant interest rate and regular principal-and-interest repayments.
General information only. Results are estimates and may differ from lender calculations due to rounding, compounding conventions, fees, rate changes and repayment timing.