Mortgage Overpayment Calculator
Outstanding Balance ($)
Annual Rate (%)
Remaining Term (years)
Monthly Overpayment ($)
Mortgage overpayment pays more than the required monthly amount. Even small regular overpayments save tens of thousands in interest and cut years from the mortgage term.
- 1Overpayment reduces outstanding principal directly
- 2Less principal = less interest each month (snowball)
- 3Most lenders allow 10% of balance/year penalty-free
- 4Effect compounds — savings accelerate over time
£200k, 5.5%, 20yr, £200/mo extra=Saves ~£28k interest; repaid 4 years early
| Extra/month | Interest saved | Years saved |
|---|---|---|
| £50 | ~£8k | 1yr |
| £100 | ~£15k | 2yr |
| £200 | ~£28k | 4yr |
| £500 | ~£55k | 8yr |
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