What the tool does, how to run it, and what to expect from the result.
See how much interest and how many years you save by overpaying your mortgage every month, with a one-off lump sum, or both. The math updates instantly and runs on your device, so it is fast, private, and available offline.
A quick way to understand who this helps, what it solves, and where it connects next.
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Fast everyday math without a spreadsheet, app install, or sign-up.
Short answers for the questions people usually have before trying a utility like this.
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
On £200,000 at 4.5% with 25 years left, an extra £200 a month cuts the term to 18 years 11 months and saves £36,280 of interest. The earlier you overpay, the bigger the saving, because the balance you remove would have gathered interest for longer.
Many UK fixed-rate deals allow 10% of the balance a year without a charge; above that an early repayment charge (often 1-5%) applies. Check your mortgage terms before a large lump sum.
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Enter your numbers and the result updates live in your browser. Nothing is uploaded and no server is used.
Calculations run locally in your browser. Amounts are shown without a currency symbol so they work anywhere.