Home Loan Offset Calculator
Money in your offset account reduces the balance interest is charged on. See what it's worth.
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%
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Estimated interest saved
$98,615
Over 25 years
Time saved
2 yrs 5 mo
Effective interest-bearing balance
$470,000
No offset$488,577
With offset$389,962
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Key assumptions
- Offset earns the same rate as the loan.
- Balance stays static except for the monthly top-up.
This calculator provides a general estimate only. Results are based on the information entered and the assumptions shown. Actual lender calculations, fees, rates, eligibility criteria and outcomes may vary. The results are not a loan approval, credit advice, financial advice, legal advice or tax advice. Speak with Box Seat Finance for an assessment based on your individual circumstances.