Money & Finance

Mortgage Planner

Understand what your mortgage really costs, in plain English. See your payoff date and the true lifetime cost of your loan, model an offset account and extra repayments, then run what-if scenarios, a rate rise, a lump sum, switching to fortnightly, to see the difference instantly. Works for a new purchase or an existing loan, and your numbers stay private on your own device. Yours to keep for a one-off price: fully offline, no subscription. The optional online version adds cloud sync across your devices.

Web app + downloadable file
⤢ Click to enlargeMortgage Planner screenshot 1

What's included

  • Payoff timeline, see exactly when you'll be debt-free
  • Offset account modelling, including the net-debt-free date
  • Extra repayments and one-off lump sums, with their impact shown live
  • What-if scenario runner, test a rate rise, a lump sum or fortnightly payments
  • Guided setup and plain-English “walk me through my results”

Download

One-off · yours to keep

A$14.95
  • Yours to keep forever, one-off payment, no subscription
  • Runs on your own computer, fully offline, no account or internet needed
  • Just open the file in your browser, nothing to install
  • Your data stays private on your device
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Add cloud access

Optional upgrade for owners · cancel anytime

+A$9.95/yr

Own the download, then add:

  • Cloud save, your plans on every device, automatically
  • Pick up where you left off on phone, tablet or laptop
  • Share a read-only link with your partner, broker or adviser
  • Always the latest version, with new features as they ship
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Buying direct is the best price. Coming to Etsy soon.

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Frequently asked questions

Can it model an offset account and extra repayments?

Yes. You can add an offset balance and extra or lump-sum repayments and see the effect on your payoff date and total interest immediately.

Does it work for an existing loan, or only a new purchase?

Both. Enter a new purchase or your current loan balance, rate and term, and it models either.

Can I compare what-if scenarios?

Yes, model a rate rise, a lump sum, or switching to fortnightly repayments and see the difference side by side, instantly.

Is my financial information private?

Yes. Your numbers stay on your own device (downloaded version) or in your account (online). We don't see or store your loan details on our servers.

Does it work offline?

Yes, the downloaded version runs entirely in your browser with no connection needed.

Is there a subscription?

No subscription for the downloadable version, it's a one-off purchase. Cloud sync across devices is available online for a small yearly fee if you want it.