Understand your mortgage before it controls you

Plan your mortgage with real-life scenarios, offset savings, parental leave, and future cash flow.

Model your real financial future with offset accounts, parental leave income changes, and detailed repayment projections. Built for Australian homeowners who want clarity, confidence, and control.

🔒 Your data stays private — everything runs locally in your browser
✔ Offset aware ✔ Leave modelling ✔ Real cashflow

All estimates are for educational purposes only and do not constitute financial advice.

Inputs

🏠 Your Mortgage REQUIRED
Enter your core loan details from your bank or broker
Required minimum repayment
💼 Income REQUIRED
We calculate your after-tax income automatically
🧾 Living Costs REQUIRED
Enter your everyday living costs (excluding mortgage repayments)
Auto-fill estimate (you can still edit)
Living costs excluding mortgage repayments
🚀 Reduce Interest Faster OPTIONAL
We automatically move 70% of your leftover money into your offset account to reduce interest
Quick add
📈 Stress Test OPTIONAL
See how your loan changes if interest rates increase
Enable

🤰 Leave & Income Modelling

OPTIONAL
Estimate your maternity leave entitlements and understand how changes in income will affect your future cash flow and mortgage position.
📊 Leave Impact Summary

Stats

⏳ Payoff Time
💸 Interest Paid
🏦 Total Cost
📉 Approx Monthly Interest
💰 Interest Saved vs Minimum Repayments
🚀 Years Saved
📅 Estimated Payoff Date
🏦 Borrowing Health (Bank View)
Income vs repayments — lender risk view
Good Stable Watch Risk
💵 Income Left After Expenses & Mortgage
Fortnight
Monthly
Annual
💵 Cashflow Health (Real Life)
After expenses & mortgage — your real cashflow
Strong Stable Tight Danger
Mortgage Progress
💡 Live Financial Insights
⚡ Try Real-Life Situations

🗓️ Projection Simulator

OPTIONAL
See how your mortgage evolves over time based on today's inputs.
Year-by-Year Summary

📊 Amortisation Schedule

Loan Balance Over Time
Fortnight
Monthly
Yearly
⏳ Payoff
—
💸 Interest
—
🏦 Total
—