Offset Home Loan Calculator
Daily interest on (loan − offset) with flexible repayment frequency. Estimates only.
If mortgage fully offset
With a very large offset, interest ≈ $0. The absolute fastest payoff is:
—
(principal ÷ yearly repayments: —).
Results — With Offset / Zero-interest
Balance over time (monthly)
With Offset
No Offset
Monthly snapshots; lower line means faster principal reduction.
This is a simplified educational model. Real mortgages may include fees, leap years, changing rates, and different charging cycles.