Lightning: mortgage overpayment in seconds

Perfect for client calls or budgeting sessions. Adjust overpayments on the fly and instantly see how your mortgage reacts.

Why use the lightning version?

  • ★ Minimal inputs – four fields deliver a full overpayment summary.
  • ★ Instant recompute – see the new instalment, term reduction and total savings without reloading.
  • ★ Dual scenario view – compare two overpayment strategies side by side.
  • ★ Shareable summary – export a PDF snapshot for family members or advisors.

Example scenarios

10k PLN overpayment

-18 instalments

On a 320k PLN mortgage the instalment drops by 124 PLN and the schedule shortens by 18 months.

Quarterly top-ups

Save 27.4k PLN

Recurring 5k PLN overpayments visibly reduce lifetime interest in the results panel.

Target instalment mode

Budget friendly

Dial in a preferred monthly instalment and let the calculator compute the required overpayment.

Try the lightning tool Open the full planner