Offset vs Extra Repayment Calculator
Compare the interest effect of keeping cash in offset with applying the same cash as an extra repayment, including offset fees or a rate premium.
Your assumptions
Comparison
Enter your figures and calculate. Results are estimates, not a quote or credit decision.
How to use the result
This is an interest comparison, not tax advice. Offset and redraw can have different legal, operational and tax consequences.
The rate-premium field lets you model a more expensive offset package where relevant.
Read the calculation methodology and assumptions.
If the numbers justify a closer look, send the transaction details for an initial broker review.
Review my home-loan structureGeneral information only. Calculator results are estimates and do not account for every fee, tax outcome, contract feature or lender rule. Finance approval and pricing are subject to lender assessment.