Mortgage Overpayment Calculator
Your loan
See how overpaying clears the debt sooner and slashes interest.
£
%
Your overpayments
£
£0£1,000
£
Check your lender's annual overpayment limit (often 10%) to avoid early-repayment charges.
Interest saved
and you're debt-free sooner
Add an overpayment to see your savings
- Current monthly payment
- New monthly payment
- Interest without overpaying
- Interest with overpaying
- Debt-free
Overpaying saves you
interest saved
sooner
Estimate only. Assumes the rate stays fixed for the whole term.
Balance over time
No overpayments
With overpayments
The green line falls faster - that gap is the time and interest you save.
| Year | Interest | Principal | Balance left |
|---|---|---|---|
Compare saved scenarios
| Scenario | Interest saved | Time saved | New payment | |
|---|---|---|---|---|