Savings Impact Hero

Cut interest. Pull your payoff date forward.

Model your mortgage, offset, extra repayments and lump sums in one high-contrast view. All headline numbers are produced from the imported loan engine.

Interest saved $0

Repayment — Engine repayment for the active strategy.

Base total interest — Original loan totalInterest from quote().

Optimised interest — Active strategy totalInterest from quote().

          Saved / Time shaved
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Loan controls

Sliders feed the engine as loan and strategy objects — no page-side loan formulae.

Mortgage

Loan amount Current principal balance.

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$100k$2.5m

Interest rate Annual rate as a percent.

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1.00%12.00%

Loan term Original term in years.

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5 years40 years

Repayment frequency Frequency value imported from the engine.

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Optimise

Extra repayment Additional amount per repayment period. Included

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$0$3k

Offset balance Cash balance applied as strategy.offset. Included

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$0Loan amount

Lump sum One-off strategy.lumpSum amount. Paused

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$0Loan amount

Debt-free by Target payoff year passed to recommendStrategy().

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Next year—

Dual-line balance chart

Original loan vs optimised loan, drawn from the engine amortisation schedule with payoff milestone markers.

Original loan Optimised loan Saved area