Beginner tool · Goldie
Mortgage Freedom
“Most calculators only show your monthly payment. This one shows the interesting part: what happens if you pay a little extra?”
— Goldie
Your mortgage
Type
Extra repayment
Drag it and watch what you save.
🎉 You're mortgage-free earlier
4 years 11 months
earlier — and you save €53,710 in interest
Normal
Oct 2056
at age 65
Interest: €287,478
Extra plan
Nov 2051
at age 60
Interest: €233,768
What if I pay extra?
+ €50 / month
Save €15,772 · finish 1 years 5 months earlier
+ €100 / month
Save €29,801 · finish 2 years 8 months earlier
+ 1 monthly payment per year
Save €42,953 · finish 4 years 0 months earlier
+ 2 monthly payments per year
Save €73,982 · finish 7 years 0 months earlier
These numbers depend on your balance, rate, mortgage type and when you start repaying extra.
What if I repay €10,000 today?
Two choices — same amount.
🚀 Keep the same payment
Paid off 1y 4m sooner · interest saved €22,266
💶 Keep the original end date
New payment €1,862 · save €48/mo
Interest vs principal
At the start of an annuity mortgage, a big part of each payment is interest.
What if the rate changes?
3%
€1,686
/mo
4%
€1,910
/mo
5%
€2,147
/mo
6%
€2,398
/mo
7%
€2,661
/mo
Extra repayment or invest?
What to do with €200/month?
🏠 Extra repayment
€53,710
interest avoided
📈 Invest
€194,903
after 30 years
Repaying saves certain interest; investment returns are uncertain and can be higher or lower.
Email me my payoff plan + the next lesson
Your numbers stay on your device. We'll email you back to your spot + one short lesson to go further.
Done exploring? 🌲
Nice work — your progress is saved. Pick what's next.
⚠️ Educational only · not advice · ignores fees, penalty-free-repayment caps and tax relief