Property & rentals
Mortgage Overpayment Calculator
A modest extra payment every month compounds into years off the term - this shows exactly how much.
Calculator
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How it works
The tool works out your current payment from balance, rate and remaining term, then re-solves the amortisation with the extra amount added - the difference is interest saved and months cut.
Frequently asked questions
How much does overpaying 100 a month save?
On 200,000 at 4% with 20 years left, an extra 100/month saves roughly 11,000 in interest and clears the loan about 2 years early. Run your own numbers - results scale with rate and term.
Are there limits on overpaying?
Most UK fixed deals allow 10% of the balance per year without an early-repayment charge. Check your lender before setting up a large standing order.