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Mortgage Overpayment Calculator

Calculate savings from mortgage overpayments. See how much you can save on interest and how much faster you can pay off your loan.

Payment stays the same, loan ends faster (usually more profitable) Term stays the same, monthly payment decreases

Percentage fee charged by bank for early repayment (e.g., 3%)

For how many years the bank charges early repayment fee (e.g., first 3 years)

Results

Did you know?

Declining installments are initially higher, but you'll pay less interest overall than with equal installments.

Data Visualization

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How does this calculator work?

Calculate savings from mortgage overpayments. See how much you can save on interest and how much faster you can pay off your loan.

Free online calculator. Accurate calculations. Easy to use.

Frequently Asked Questions

Yes, mortgage overpayments can significantly reduce total interest and shorten the loan term. Our calculator on estim.at shows exactly how much you can save through overpayments.
Reducing the loan term (keeping the same payment) usually saves more interest because you pay off principal faster. However, reducing the payment may be better for monthly budget. Our calculator shows a comparison of both strategies.
Some banks charge fees for early repayment, especially in the first few years of the loan. Our calculator allows you to include these fees to show real savings.