Interest & time saved
See interest saved and payoff time. Compare the numbers that show what your payment choices are worth.
Mortgage scenario calculator
See how payment choices change interest paid and payoff time
Model a loan with balance, rate, and term. Compare your payment plan to the minimum baseline and explore lump sums or rate changes over time.
Scenarios
Compare payment plans
Amortisation
Principal vs interest
What-ifs
Lump sums & rate changes
Your scenario vs minimum
Interest saved
$47,200
Time saved
4 years
Example · $650/wk vs minimum baseline
Core capabilities
See the maths behind faster payoff
From interest and time saved to amortisation curves, SeeMoney turns complex mortgage maths into clear, visual comparisons.
Amortisation charts
Visualise principal changes over the life of the loan. See how amortisation rewards higher payments over time.
Payment scenarios
Try different payment amounts and see how they shift payoff dates and total interest paid.
Lump sums & rate changes
Add future events to the timeline and see how they change interest paid and payoff time.
Scenario modelling
Model amortisation and payment events on a timeline
Create your mortgage scenario. Amount, rate, term, and generate a repayment schedule. Change frequency and amounts of payments and watch the amortisation curve update instantly. See the power of amortisation as principal and interest shift period by period. Add lump-sum payments and other events to see money saved and payoff time shortened.
- Compare minimum vs accelerated repayment paths
- Drop extra payment events onto the scenario timeline
- See amortisation in action. Principal vs interest, period by period
- See interest saved and term shortened in real time
Amortisation preview
+$15,000 extra payment
Principal remaining
$412,800
Interest this period
$1,240
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2
3
4
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Extra payment applied, payoff 4 years earlier
Scenario overview
One loan, compared to the minimum baseline
Enter a balance, rate, term, and payment. SeeMoney shows how that plan stacks up against the calculated minimum, with interest saved and time saved front and centre.
Vs minimum baseline
Interest saved and payoff time versus paying only the minimum
Schedule and charts
Payoff path and a period-by-period amortisation breakdown
1
Set up a scenario
Enter a balance, remaining term, rate, and payment, use real numbers or round figures to explore.
2
Compare to minimum
See how a payment stacks up against the calculated minimum over the full term, schedules and charts show amortisation updating as you go.
3
Explore what-ifs
Add lump sums or rate changes and see the power of amortisation when extra payments knock down interest earlier.
Ready to see what mortgage payments are worth?
Enter a loan and run your first mortgage scenario in this browser. Nothing is sent to a server.