Mortgage Calculator Guides
Step-by-step guides to get the most out of the Mortgage Paydown Calculator.
How to Use the Mortgage Calculator
A field-by-field walkthrough of every input in the calculator — what each one means, where to find the value, and how it affects your results.
Mortgage Calculator With Extra Payments — See Exactly How Much You Save
Model recurring extra payments, lump sums, and rate changes to see your exact payoff date, total interest saved, and how many years you cut off your mortgage.
How to Calculate Your Mortgage Savings From Extra Repayments
A step-by-step guide to calculating exactly how much interest you save and how many years you cut off your mortgage by making extra repayments — with real examples.
How to Save and Share Your Mortgage Plan
The Share Results button encodes your entire calculator setup into a URL. Learn how to bookmark your scenario, compare options, and share your plan with a partner — no account required.
The RBA Has Raised Rates — How Will It Impact My Mortgage?
When the RBA raises the cash rate, your variable mortgage repayments rise too. Learn exactly how to calculate the impact on your repayments and total interest — and what you can do to reduce it.
How to Pay Off Your Mortgage Years Earlier With Extra Repayments
Even small extra repayments can shave years off your mortgage and save tens of thousands in interest. Learn why the compounding maths works so strongly in your favour — and how to find your own payoff date.
When Does More of Your Mortgage Payment Go to Principal Than Interest?
On a 30-year mortgage at 6%, you spend nearly 20 years paying mostly interest. Here is exactly when the crossover happens — and how extra repayments bring it forward by years.
Paying an Extra $200 a Month on Your Mortgage — How Much Do You Save?
An extra $200 a month can save over $100,000 in interest and cut nearly 4 years off a typical Australian mortgage. Exact figures for your loan size and rate.
Paying an Extra $500 a Month on Your Mortgage — How Much Do You Save?
An extra $500 a month can save over $200,000 in interest and cut nearly 8 years off a typical Australian mortgage. Exact figures for your loan size and rate.
How Much Does a Lump Sum Repayment Save on Your Mortgage?
Putting a tax refund, bonus, or windfall onto your mortgage can save tens of thousands in interest. See exact savings for common lump sum amounts on Australian home loans.