Mortgage Repayment Calculator
Estimate monthly repayments by loan amount, term, and interest rate.
Loan Offset Calculator
Money parked in an offset account is netted from your loan principal each period before interest is calculated. See how much you'll save.
Interest saved over loan life
$183,744
And 3 years 10 months earlier payoff (46 fewer payments)
Interest without offset
$778,612
Interest with offset
$594,869
Monthly repayment
$3,941
New payments total
314
About this calculator
Assumes your offset balance stays roughly constant for the life of the loan, the contracted repayment is unchanged, and the interest rate is constant. In practice an offset balance fluctuates as you spend and save — treat the result as an upper bound for a balance you can comfortably keep parked. Some loans charge a higher rate or monthly fee for offset features; weigh that against the savings shown here. Talk to a licensed mortgage broker before relying on a figure.