Debt Reduction
Mortgage Maximiser
Model every proven Australian mortgage acceleration strategy — from offset accounts and fortnightly repayments to PAYG tax variations and investment property debt recycling. See exactly how many years and dollars you can save.
Your Loan Details
$
%
yrs
$
$
Acceleration Strategies
Switch to Fortnightly Repayments
26 half-payments = 13 full payments per year — one free extra repayment annually
Activate Offset Account
Your offset balance reduces the daily interest charged on your loan
Extra Monthly Repayments
Even $100/month extra cuts years off your loan
$$0/mo
Annual Lump Sum Payment
Tax return, bonus, or windfall applied to principal
$$0/yr
Apply PAYG Withholding Variation
Reduce tax withheld from each paycheck — redirect the freed-up cash to your mortgage
Investment Property — Debt Recycling
Redirect rental income + tax deductions from an investment property to your home loan
0 yrs
Years Saved
$0
Interest Saved
25 yrs 1 mo
Debt-Free In
$0
Extra / Month
Bank's Plan vs. Your Accelerated Plan
Bank's Standard Plan
25 yrs
to pay off
$616,389
total interest paid
Your Accelerated Plan
25 yrs 1 mo
to pay off
$616,389
total interest paid
Loan Balance Over Time
- Bank's Plan
- Accelerated Plan
IAW Disclaimer: This calculator is for educational modelling purposes only and does not constitute financial advice. Results are projections based on the inputs provided and assume constant interest rates and consistent repayments. Consult a licensed Australian financial adviser before making changes to your mortgage structure. Tax calculations are based on 2024–25 ATO rates.