Calculators

Extra repayments & offset.

Small extra amounts compound hard. See what paying a bit more — or parking savings in an offset — does to your loan.

$
%
$
$
You could save $0
Loan paid off—
New payoff time—
Baseline monthly repayment$0
Total interest without extras$0
Total interest with extras$0
Structure it properly with us →

Assumes the offset balance stays constant and the rate never changes. Simulated month-by-month.

Assumptions: baseline repayment is the principal-and-interest repayment for the remaining term; extras are paid monthly from month one; offset balance is constant and reduces the interest-bearing balance; constant rate; no fees.

DeMarque Group Pty Ltd trading as DeMarque Home Loans is an authorised Credit Representative (Credit Representative Number 522568) under Australian Credit Licence 384704. The information on this website is general in nature and does not take your personal objectives, financial situation or needs into account. Consider its appropriateness to these factors before acting on it. Results are estimates for general information only — they are not a loan offer, an approval, or credit advice, and your lender's own assessment will differ. Talk to us on (02) 8046 6878 for figures based on your circumstances.