Offset Account Savings Calculator

Estimate the interest you could save by keeping funds in a 100% offset account linked to your home loan.

Loan & offset details
$500,000 · 6.10% · $40,000 offset
$
% p.a.
years
$
Assumes this balance is held consistently for the life of the loan.
Interest paid without offset$0
Interest paid with offset$0
Estimated time saved0 yrs
This is illustrative only. It assumes the offset balance you entered stays the same for the entire loan term — in reality, most offset balances rise and fall, which will change your actual savings.
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Important information: This calculator provides estimates only and does not constitute financial or credit advice. It assumes the offset account balance entered is held constantly for the entire loan term, with interest calculated monthly on the loan balance less the offset balance, and that your minimum repayment amount (calculated on the full loan amount) is maintained throughout. In practice, offset balances fluctuate with everyday transactions, salary deposits, and withdrawals, which will change the actual interest saved. This calculator does not account for account-keeping fees, package fees that may apply to obtain an offset facility, or changes to your interest rate over the loan term. Speak with us for an assessment based on your actual circumstances.