See how fast overpayments shorten your mortgage
Enter key mortgage parameters, add a recurring monthly overpayment and a one-off top-up – the lightning calculator instantly shows interest savings and the new payoff date.
We focus on the essentials to give you a fast, clear answer before you talk to the bank. For deeper comparisons, use the detailed calculator.
- Time saved
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- Interest saved
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- New payment
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- Total overpayments
- 600 zł
Add overpayment amounts to see how much sooner you can repay the loan.
We compare interest costs with and without overpayments.
We show how the instalment changes under your strategy.
Provide recurring and lump-sum overpayments to see the full impact.
⚡ Lightning mortgage overpayment analysis
Enter the month number from today when you plan the extra payment. Example: 12 means the bonus after a year.
Calculator results
Fill in the loan parameters and overpayment amounts to see how fast you can repay the mortgage.
This quick view focuses on a simple scenario: one recurring overpayment and a single lump sum.
What to double-check before overpaying?
- Bank limits: some lenders allow free overpayments only after 3–5 years. Check for early repayment fees.
- Insurance and fees: mandatory policies or premium accounts can eat into the benefit. Add them in the detailed calculator.
- Emergency fund: before sending all spare cash to the bank, build a 3–6 month safety buffer.
Compare with other strategies
Overpayments are one of several budget levers. Before you decide, stack them against investing the surplus or refinancing:
Ready for full analysis?
The detailed overpayment calculator handles multiple scenarios, extra costs, and shareable reports. Perfect for bank negotiations.
Open detailed calculator