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Mortgage Overpayment Calculator

Add an extra amount to your monthly mortgage payment and see how many months come off the loan and how much interest you save.

  • Free, no sign-up
  • Formula shown
  • 2 minutes
Start now
Mortgage Overpayment Calculator: Years and interest saved by paying a little extra each month.
Mortgage Overpayment Calculator

Your numbers

Example figures are filled in. Replace them with yours.

Your result

Show the formula
Go deeper with Mortgage Affordability & Comparison Calculator: every line, a filled example and charts.

Educational only. Arithmetic on the numbers you enter, not a quote or advice. Rules and costs differ by country and state; check your local rules.

Made for this step

The tools that go further

Picked for what this calculator works out. Each one starts with a filled example.

Homeowners and life changesSave $70
The Homeowner & Life Changes Bundle

The Homeowner & Life Changes Bundle

Look after your home and handle a move, a separation or an inherited property step by step.

  • The Property File
  • The Relocating for Work Guide
  • The Separation & Shared Home Guide
  • The Inherited Property Guide
  • + 2 more tools
$47 $117 separatelySee the bundle
How it works

Three steps, two minutes

  1. 1Enter your numbers

    Replace the example figures with yours. The result updates as you type.

  2. 2Read the result

    The big number first, then the breakdown and the formula.

  3. 3Take the next step

    Use the guide and the spreadsheet below to act on the number.

What your result means

Mortgage Overpayment Calculator, in plain words

Some loans charge early repayment fees or limit overpayments each year. Check your loan terms; this is arithmetic, not advice on whether to pay down debt or save.

The Homeowner & Life Changes Bundle · $47

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Questions

About this tool

Is this calculator free?

Yes. No sign-up, no email, and nothing you type leaves your browser.

Is the result advice?

No. It is arithmetic on the numbers you enter. Rules, rates and costs differ by country and state, so confirm figures with a licensed professional.

Can I see the formula?

Yes. The formula sits under every result so you can check it or redo it by hand.

Not sure where to start?

Tell us what is happening and we will point you to one tool, one guide and one bundle.

Buy a homeFrom saving to keys, with every cost and step clear.Sell my homePrice it right, prepare it well and know what you walk away with.Rent a homeFind it, read the lease, protect your deposit.Invest or hostRun the numbers before you buy, then run the rental well.Own, move or a life changeUpkeep, renovations, moving, separation or an inherited home.I am an agentClient-ready templates, trackers and slides.

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