Mortgage overpayment planner

Test different prepayment strategies, see how many months you can remove from the schedule and calculate the interest savings after Belka tax.

Plan smarter overpayments

  • ★ Detailed amortisation – export a schedule showing every overpayment and resulting savings.
  • ★ Strategy comparison – contrast term reduction with instalment reduction for the same cash flow.
  • ★ ROI view – understand the implicit return on capital when you prepay your loan.
  • ★ Investment comparison – benchmark overpayments against dividend or ETF investing scenarios.

Example scenarios

450k PLN mortgage

-5 years

Paying an extra 800 PLN per month removes 62 instalments and saves 84k PLN in interest.

Declining instalments

Save 920 PLN

Switching to a declining schedule plus quarterly 5k PLN overpayments slashes the first-year instalment cost.

Investment break-even

Return 6.2%

The calculator highlights the net market return needed for investing to beat prepayments.

Start planning overpayments Switch to the lightning tool