RealEstateCalc
Extra Repayments & Offset Savings
Calculator
Extra Repayments & Offset Savings (2026)
See how extra repayments and an offset account reduce your interest and shorten your loan term.
Formula
Monthly interest = max(0, Principal − Offset) × (rate / 12)Estimate updates below
Baseline Repayment (per period)$0.00
Step 1
Inputs
Extra amount added to each scheduled repayment.
0 = first month, 12 = after 1 year, etc.
Step 02 · Resultsinstant
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
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Visualisation
Balance Over Time (Monthly)
Comparison of baseline loan balance vs balance with extras/offset
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FAQ
