Estimate how much interest you’ll save by using your savings to offset your home loan.

Home Loan Offset Analysis Made Simple

This calculator helps you estimate how much time and interest can be saved if you utilise a home loan offset account.


A home loan offset account is a transaction account that is linked to your home loan. You can make any deposits or withdrawals from it as you would with a regular account. The one big difference between the two is that when you hold money in an offset account over a period of time, you end up reducing the amount of interest payable on your home loan. The home loan offset calculator helps you estimate the savings on time and interest considering you have a home loan offset account in place.

Our financial experts at Wealthy You can help you simplify your repayment strategy and achieve better financial results - talk to us today!

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When you’re ready to get exact calculations for your specific needs, Wealthy You's mortgage brokers are here to do the sums for you. Contact us for a cost and obligation free chat to discuss your requirements in more detail. Your mortgage broker will calculate all the figures you need and they’ll also compare a wide choice of Australia’s leading lenders to find the most suitable home loan for you.

Disclaimer Notice:

These calculators are supplied by our industrial partner MFAA. The calculator has been provided in good faith as a guidance tool only. Results are not financial advice, are a guide only, and are not a guaranteed outcome or quote. Borrowers should always discuss their individual situation with an Australian Credit Licensee or authorised Credit Representative (such as Wealthy You)

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