Affordability snapshot
Linked to planner
Compare your share of the mortgage payment to the surplus stored in your main budget.
Planner surplus (est)
From main planner
0
Basis
—
Your mortgage share
Payment used here
0
Coverage
Run a calculation
Surplus after payment
0
Loan details
Adjust the loan amount, rate, and term, then compare to your planner surplus.
Property price
$
Deposit
$
Enter deposit in dollars. Tap the toggle to switch to % of price.
Interest rate (p.a.)
%
Future rate (optional)
%
Loan type
Loan term
years
Repayment frequency
Extra repayment (optional)
$
Split with partner for this calc (use half in affordability)
Mortgages saved into your planner from this tool
No mortgages found yet.
Tap a line to select, edit with the calculator, then press “Save / update mortgage in planner”.
Rough guide only. Does not include fees, changing rates, or lender-specific rules.
Results
Whole-loan repayments, your share if split, total interest, and a future-rate comparison.
Whole loan repayment (including extra)
—
Per month
Your share used in affordability
Amount
Status
Total interest over life of loan
Current rate
—
With extra repayments
—
Estimated time saved with extra
Base term
—
With extra
—
Mortgage vs planner surplus
Run a calculation to compare.
—
Future rate comparison (if you fill the future rate box)
Repayment at future rate
—
Total interest at future rate
—
Change vs current
—
Enter a future interest rate to see how repayments and total interest could change.
Show calculation notes
How this calculator works
- Loan amount = property price minus your deposit.
- Repayments use a standard amortising loan formula based on your rate, term, and chosen frequency.
- Extra repayments are added on top of the base repayment and then used to simulate an earlier payoff.
- “Your mortgage share” uses half the repayment if the split box is ticked.
- “Mortgage vs planner surplus” compares your share to the surplus stored in your main planner for W/F/M/Y.
- The future rate view re-runs the same formula at the alternative rate so you can see how sensitive the loan is to rate changes.