Loan EMI & Offset Calculator

Calculate monthly repayments and generate a full amortization schedule for up to 30 years or more.
Scheduled monthly repayment
$0.00
Based on original loan amount, rate and term
Total interest with offset
$0.00
Interest saved by offset
$0.00
Estimated payoff time
0 months
How offset is handled: each month's interest is calculated on max(loan balance − offset balance, 0). The scheduled repayment remains the same, so any interest saving effectively increases the principal paid and may shorten the loan term. This calculator assumes the offset balance remains constant for the entire period.

Monthly amortization schedule

Columns show the scheduled payment, actual payment, interest portion, principal portion, remaining balance, interest-bearing balance after offset, and monthly interest saving.
Month Opening Balance Scheduled Payment Actual Payment Interest Principal Remaining Balance Interest-Bearing Balance Interest Saved
Note: lenders commonly calculate mortgage interest daily and charge it monthly. This calculator uses a standard monthly amortization model, so actual bank figures can differ slightly.