Adjust your extra weekly repayment to see how much sooner the mortgage is paid off.
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%
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$0 / week
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$0$250$500$750$1,000
$0
Applied immediately to the mortgage balance, on top of any extra weekly repayment.
$
New payoff time
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Time saved
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Interest saved — weekly extra
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Payoff time — weekly + lump sum
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Additional time saved by lump sum
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Total interest saved — weekly + lump sum
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Current payoff time—
Total weekly equivalent repayment—
New total interest—
What is an extra $1 today worth?
This compares the weekly + lump-sum scenario with the exact same scenario plus just $1 extra paid into the mortgage today. The benefit includes mortgage interest avoided and any extra time that money gets to compound in savings at 4.5% by the original payoff date.
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value at the original payoff date
Savings at original mortgage payoff date — weekly extra
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Mortgage repayments are redirected to savings after payoff.
Savings at original mortgage payoff date — weekly + lump sum
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The lump sum only brings the payoff date forward; it is not repeated.
Savings return: 4.5% p.a. Once an accelerated mortgage reaches $0, the ongoing $1,750/month + selected extra weekly repayment is redirected into savings until the original mortgage payoff date.
Mortgage Payoff & Savings Over Time
Each line starts at the current mortgage balance and falls to $0. Accelerated scenarios then rebound upward from $0 to show savings accumulated at 4.5% p.a. — creating the V-shaped comparison.
Original repayment
Extra weekly
Extra weekly + lump sum
Visual payoff comparison
Original
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With extra
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Weekly + lump
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Add an extra weekly repayment or lump sum to see the difference.
Estimate assumes the interest rate remains constant. Weekly extra repayments are converted to a monthly equivalent using 52 weeks ÷ 12 months. Your lender may calculate interest daily, so actual results can vary slightly.