🇬🇧 UK Mortgage Overpayment Calculator
Works with Nationwide, HSBC, Halifax, Barclays, Santander, NatWest & any UK lender
📊 Year-by-Year Breakdown
| Year | Balance (No Overpay) | Balance (With Overpay) | Interest Saved | Year Interest |
|---|
🇺🇸 US Mortgage Extra Payment Calculator
Works for Wells Fargo, Chase, Bank of America, Rocket Mortgage & any US lender
📊 Year-by-Year Breakdown
| Year | Balance (No Extra) | Balance (With Extra) | Interest Saved | Year Interest |
|---|
Loan Overpayment Calculator UK
Car loans, personal loans — see how much interest you save paying extra. Month-by-month breakdown.
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Frequently Asked Questions
On a $300,000 mortgage at 6.5% over 30 years, paying $200 extra per month saves $72,100 in interest and cuts 7 years 4 months off your loan. Use the USA tab above to calculate your exact saving.
Most UK fixed-rate mortgages allow up to 10% of your outstanding balance per year without an early repayment charge. On a £200,000 mortgage that is £20,000/year. Tracker and SVR mortgages typically have no limit.
Yes for most homeowners — both UK and USA. UK rates at 4.5-5.5% and US rates at 6-7% both deliver a guaranteed, tax-equivalent return that beats savings accounts. Use the calculator above to see your personal saving.
Log into your lender portal and select "apply to principal" when making extra payments. If unsure, call your servicer. Always check your next statement to confirm the balance dropped correctly.