Interest saved
The main amount calculated from your inputs.
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Free mortgage tool
Offset Calculator
Estimate the interest and time you could save by maintaining funds in an offset account.
Want to discuss the results?
Contact Chris to discuss what the estimate may mean for your next step.
Results are indicative estimates only and may not include every fee, policy rule or personal circumstance. They are not financial, credit, tax or legal advice and do not guarantee loan approval.
Calculator guide
Estimate the potential benefit of an offset
Compare a home loan with and without an average offset balance under consistent assumptions.
- 01Enter current figures for every required field.
- 02Review the assumptions and calculate the result.
- 03Change one input at a time to understand what drives the estimate.
Time saved
A supporting figure that helps explain the overall estimate.
Effective loan balance
The combined result under the selected assumptions.
Worked-scenario tip
Test a conservative scenario as well as your preferred scenario. A small change in rate, term, price or costs can materially change a long-term result.
Assumptions and limits
What this estimate cannot decide.
- The result is an estimate, not a loan offer or approval.
- Lender policies, rates, fees and assessment methods can change.
- Use current, realistic figures and seek personalised advice before acting.
Common questions
Is this result guaranteed?+
No. It is an indicative planning estimate based on the information entered.
How current are the assumptions?+
The site is reviewed periodically, but rates, tax rules, fees and lender policies can change.
What should I do with the result?+
Use it to prepare questions and compare scenarios before obtaining personalised advice.