Compound returns Mortgage breakdown Overpay vs invest
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Mortgage breakdown,
month by month.

See your monthly payment, total interest, and what happens if you overpay. Spoiler: a small overpayment makes a surprisingly big difference.

Your mortgage
what you borrow
$
% p.a.
%
years
$0
Monthly payment
$1,520
principal + interest, fixed
Total interest
$247,220
82% of your loan
Paid off in
30 yrs
360 payments
Over the whole loan, where each dollar goes
PRINCIPAL
INTEREST

For every dollar you pay over the life of this loan, 55¢ goes to the house and 45¢ goes to the bank as interest.

Now ask the bigger question:
overpay, or invest?

Our next calculator runs both side by side — with your loan, your rate, and a realistic return.

Compare overpay vs invest →