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Property Affordability
Estimate how extra payments can change payoff time and interest.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Mortgage Overpayment Calculator
Estimated time saved
5y 8m
Estimated interest saved
$53,987
New monthly payment
$1,887
Projection over time
Period 0 to 20
Peak $280,000
What changes this most?
Overpayments usually have the greatest effect early in the mortgage because they prevent future interest from accruing on the repaid principal.
Sensitivity check
A roughly 10% move in remaining term changes the modeled headline result by up to 1y 1m in this setup.
Check your lender's overpayment limits and early-repayment charges before acting on this estimate.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Milestones
Milestones make the final figure easier to evaluate and help you spot when the curve changes most.
Period 5
$231,023
Period 10
$168,168
Period 15
$87,502
Period 20
$0
Formula
The calculator compares the standard amortisation schedule with a second schedule that adds the selected monthly overpayment.
It assumes a fixed interest rate, no fees or early-repayment penalties, and that every overpayment immediately reduces principal.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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