Mortgage Strategy Calculator

1. Mortgage Details

Start Year

Duration (Years)

Current Balance ($)

Offset Account Balance ($)

Interest Rate (%)

Base Frequency

Min. Repayment

2. Extra Payments

Configure up to 3 separate payment streams.

Stream #1 (The Streak)

Stream #2

Stream #3

One-Off Lump Sum

Pay in Month #

Annual Extra Cost:$0.00

Strategy Configuration

Instant Impact Analysis

Efficiency Multiplier

1.0x

Every $1 extra saves you $0.00 total (principal + avoided interest).

Balance Reduced

$0.00

After 30 days, your loan balance is this much lower than standard.

Test a "Short Streak" Strategy

If I maintain the Stream 1 daily payment for only 30 Days (and then stop)...

Immediate Interest Saved

$0.00

Lifetime Value of Streak

$0.00

*This section isolates the impact of Stream #1. It excludes other streams/offsets to show you the pure value of this specific daily habit.

Full Term Projection (If you keep going)

Detail	Standard Path	Accelerated Path (Full Term)
Total Interest	-	-
Total Duration	-	-
Payoff Date	-	-
Total Savings	-	-
Time Saved	-	-

*The Accelerated Path column assumes you maintain ALL extra payments (Stream 1, 2, 3 + Lump Sum + Offset) for the entire duration of the loan.

Disclaimer: This calculator is for educational purposes only. It assumes a fixed interest rate for the entire term. Actual bank calculations may vary slightly based on specific compounding rules and leap years.