Resources · Offset impact

Offset account impact calculator

Money sitting in an offset account reduces the loan balance interest is charged on. See how much that saves you over the life of the loan.

Loan and offset

$
%
years
$

With your offset balance you save

$0
in interest over the life of the loan
Years shaved off loan0
Standard monthly repayment$0
Total interest (no offset)$0
Total interest (with offset)$0
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Estimates only. Assumes a constant offset balance held over the life of the loan and a fixed interest rate. In reality both fluctuate. For interest-only loans, the model holds principal flat during the IO period and then amortises P&I over the residual term, with the offset reducing the interest-bearing balance throughout.

Make every dollar in offset count.

The structure your loan sits in determines whether offset is doing what it should. We review structure as part of every lending engagement.

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