Offset Account Calculator
See how much interest you can save by using an offset account on your home loan. Compare monthly repayments with and without an offset balance.
Offset Account Calculator 2026 — How Much Can You Save?
Calculate how much you can save on your home loan with an offset account. See the interest savings and reduced loan term from keeping money in an offset account.
Monthly Repayment (No Offset)$3,222
Monthly Repayment (With Offset)$2,899
Monthly Saving$322
Annual Saving$3,866
Total Interest Saved$46,645
Monthly Payment Comparison
A 100% offset account reduces the effective loan balance, saving interest dollar-for-dollar.