Offset, overpay or save

Enter your mortgage and cash figures below to see, side by side, what offsetting, overpaying or saving that cash could be worth over your chosen horizon. Nothing you enter is sent anywhere, it stays in this page.

Your mortgage Current mortgage balance (£) Remaining mortgage term (years) Offset deal interest rate (% per year) Offset deal product fee (£) The same lender's equivalent rate without offset (% per year)

Your cash Cash you hold that could be offset, overpaid or saved (£) Savings rate you could get elsewhere (% per year, AER) Amount of that cash that must leave on a set date (£). Leave as 0 if none. Months from now it must leave (only needed if the amount above is more than 0)

Tax position Income tax band

My other taxable income is under £17,570 (the starting rate for savings may apply)

Comparison horizon Years to compare over (no more than your remaining term)

Fill in the form above and press Calculate to see offsetting, overpaying and saving compared side by side on your own figures.