← Back to your workspaceRepayment explorer

See your mortgage, and how to beat it.

Change the numbers and watch the curves move. The green line is the founder question: “if you add a certain amount, how fast can you finish?”

Your repayment$1,878.75per fortnight · borrowing $680,000
Paid off in26 yr 3 moinstead of 30 yr
Time saved3 yr 9 moby adding $100 per fortnight
Interest saved$116,381over the life of the loan

Loan balance over time

Original loanWith extra payments
$0$170,000$340,000$510,000$680,0000 yr10 yr20 yr30 yr

Total interest paid

Original loan
$785,420
With extra payments
$669,039

Estimates using the rate you entered, held constant for the whole term. Real loans re-fix, rates move, and banks apply their own tests — this explorer is for understanding, never financial advice. Your lender or adviser confirms actual numbers.