Built a mortgage tool to model real-life scenarios (offset, parental leave, future cashflow)
Most mortgage calculators didn’t give me the insights I needed, so I built something that models real-life scenarios instead of just basic extra repayments. The tool to help pay off a mortgage faster and understand your financial position. With a focus on families and maternity leave.
What it does:
- Model extra repayments and see how much interest you save
- Factor in offset accounts
- Simulate parental leave and income changes
- Project your future position (e.g. when kids reach school age)
Show how your loan actually plays out over time
Goal:
Make it easier to optimise your mortgage and understand your financial position in real-life situations.
You can:
- Use the “Load Example Scenario” dropdown to test it quickly
- Or enter your own numbers
Nothing is saved or sent anywhere. Everything runs locally in your browser and can be shared via a link your partner.
Would love some feedback. Any ideas or thoughts would be really appreciated. Still fairly new and being tested.
u/mortgageforecast — 9 hours ago