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Home/Calculators/Home Loan Offset Calculator

Calculator

Home loan offset calculator

Calculate how much interest an offset account balance could save you over the life of your home loan.

Loan details

Loan amount

Interest rate (% p.a.)

Loan term (years)

Offset account balance

Interest saved

$96,300

Time saved4.1 yrs

New payoff time25.9 yrs

Assumes a constant offset balance for illustration. Real savings depend on how your balance changes over time.

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© 2026 Flex Mortgage Solutions. All rights reserved. Australian Credit Representative 452934. Calculators are estimates only and do not constitute financial advice.