Understand your mortgage before it controls you
Track how much of your home you own, and when you'll be mortgage-free.
Built for Australian homeowners with an offset account. Check in once a month and see your real progress: ownership, interest saved, where every repayment goes, and how your date moves over time.
🔒 Private to you. Your numbers are never shared.
An animation of a house made of dots changing from grey to green as the mortgage is paid off.
How it works
Your home value, offset balance and loan details. No income or spending needed.
Add your offset and loan balances from your banking app. It takes 30 seconds.
See how much of your home you own, your mortgage-free date, and monthly, 3-month and 6-month updates.
Everything you need to see your progress
One clear number: how much of your home is yours, counting the money sitting in your offset.
Your mortgage-free date starts from your repayments, then sharpens to how you really save as check-ins come in.
See exactly how much interest your offset saves you each month, each year and over the life of the loan.
A repayment schedule by fortnight, month or year showing interest, principal and your balance.
A clear progress report for each period. Email it to yourself with privacy mode hiding the dollar amounts.
Try a rate rise or an extra $500 a month and see your date move, without touching your real numbers.
Why your offset matters
Every dollar in your offset is a dollar the bank cannot charge interest on. Your repayments stay the same, so more of each one goes to paying off the loan, and you finish years sooner.
We show the effect in plain numbers: what your offset saves you this month, this year and over the whole loan.
Private by design
No bank logins, no income or spending details, and nothing is shared. Email updates use privacy mode by default, showing percentages and dates rather than dollar amounts.
- ✔ No bank passwords, ever
- ✔ Only two balances a month
- ✔ Privacy mode for email updates
- ✔ Delete your data any time
Questions
Do I need to connect my bank?
No. You type in two balances once a month from your banking app. There are no bank logins, and the tool never asks for your passwords.
How accurate is it?
Interest is worked out the way Australian banks do it: daily on your loan less your offset, added at the end of each month. Adding the loan balance from your statement each month keeps it matched to what your bank really charged.
What if I miss a month?
Missed months show up on your dashboard. Add them later from your statements and everything after them updates.
Does it handle split loans and fixed rates?
Yes. Up to four loans, fixed or variable, with or without an offset, including what happens when a fixed rate ends.
Is this financial advice?
No. It is an educational tool that shows estimates from the numbers you enter. Talk to a licensed adviser before making financial decisions.
See where your mortgage is at in 2 minutes
Set up with your home value, offset balance and loan details. That is all it takes.
All estimates are for educational purposes only and do not constitute financial advice.