Extra Repayments & Offset Savings (2026)
See how extra repayments and an offset account reduce your interest and shorten your loan term.
Input Values
Extra amount added to each scheduled repayment.
0 = first month, 12 = after 1 year, etc.
Results
Baseline Repayment (per period)
$0.00
Baseline Total Interest
$0.00
New Total Interest
$0.00
Interest Saved
$0.00
Time Saved (months)
0.00
Time Saved (years)
0.0
Balance Over Time (Monthly)
Comparison of baseline loan balance vs balance with extras/offset
Frequently Asked Questions
Related Content
Calculators
FinanceMortgage Repayment Calculator
Calculate mortgage payments, total interest, and view an amortization schedule for your home loan.
Use CalculatorFinanceBorrowing Power Calculator
Estimate your borrowing capacity based on income, expenses, existing debts, interest rate, and loan term, with stress testing and DTI transparency.
Use CalculatorFinanceLoan Comparison Calculator
Compare two home loans side-by-side to find which saves you more over the life of the loan, including fees, interest, and total cost.
Use CalculatorGuides
Understanding Extra Repayments & Offset — A Complete Guide
How recurring extras, lump sums and offset accounts reduce interest and shorten your loan — with examples and calculator.
Read ArticleUnderstanding Mortgage Repayments — A Complete Guide
Amortization explained: P&I vs IO, repayment frequency, rate/term effects, offset and extra repayments — with calculator.
Read Article