Mortgage repayments.
Set the loan, the rate and the term. Then add your extra and see what it saves.
- Check when you're mortgage-free
- Round up and finish sooner
- Send it to yourself
Use the rate you have been quoted, not the advertised headline.
Paying a little more, every time — this is where the number moves. On a fixed rate most lenders let you pay up to about 5% of the loan a year, which is $1,250 per payment here.
Your fortnightly repayment
$1,609.69
Indicative only. Assumes the rate stays fixed for the full term, which it will not — it is a comparison tool, not a quote.
What’s left to pay
Add an extra repayment above and a second line appears here.
See it as a table
| Year | No extra |
|---|---|
| 0 | $650,000 |
| 1 | $640,420 |
| 2 | $630,349 |
| 3 | $619,762 |
| 4 | $608,633 |
| 5 | $596,934 |
| 6 | $584,636 |
| 7 | $571,708 |
| 8 | $558,117 |
| 9 | $543,831 |
| 10 | $528,813 |
| 11 | $513,025 |
| 12 | $496,429 |
| 13 | $478,983 |
| 14 | $460,643 |
| 15 | $441,364 |
| 16 | $421,097 |
| 17 | $399,793 |
| 18 | $377,397 |
| 19 | $353,854 |
| 20 | $329,105 |
| 21 | $303,088 |
| 22 | $275,739 |
| 23 | $246,989 |
| 24 | $216,766 |
| 25 | $184,996 |
| 26 | $151,598 |
| 27 | $116,489 |
| 28 | $79,582 |
| 29 | $40,785 |
| 30 | $0 |
Want this in writing?
I can send you these numbers.
Your numbers, and a short guide with them: 10 Ways to Pay Your Mortgage Off Faster. The things that actually move the number, in the order worth doing them.
Knowing the repayment is not the same as knowing the structure.
How the loan is split, what you fix and for how long, and where the extra payment should actually go — that is the conversation this calculator cannot have.