Mortgage Free
The bank’s plan isn’t your plan.

Same pay. Same mortgage. Years off the loan. Thousands saved.

How many years could you take off?

We focus on one thing: where your pay goes. Park your whole pay against your home loan, leave the leftover in, and interest is charged on less every single day. Answer a few quick questions to see how many years you could take off.

2 minutes to completeFree – no obligationYour report as a PDF
✉

About you

Just your email is needed. We’ll send your report there.

1

Tell us about your mortgage

Your latest loan statement has all of this.

%
years
Is your rate variable or fixed?

Ask: is any of it fixed? Fixed loans often limit offset and extra repayments.

2

Tell us about your income

What lands in your account after tax. A rough number is fine.

Every income amount below is
Pick one rhythm and use it for every income below, including second jobs and government payments.

Ask: what hits your account each pay, after tax?

Leave blank if it’s just you.
Anything else coming in?

Ask: any second job or overtime? Any rent? Family Tax Benefit or other government payments?

Not sure what you get? Work out an estimate.

Family Tax Benefit estimate (2026–27 rates)

Children aged 0 to 12
Children aged 13 to 19 in school
Youngest child
Your family
Add your children and income to see an estimate.
An estimate only. Services Australia decides your real payment, so check yours with them.
3

Tell us about your bills

Your normal spending. Rough is fine, we’re not auditing you.

Enter your bills
Food, cleaning, toiletries, pets.
Water, electricity, gas, internet, phone.
Rego, servicing, petrol, tolls, public transport.
Home, life, health, car, pet and other insurance.
Music, streaming, gyms, clubs.
Childcare, school fees, activities.
Whatever applies to your home.
Eating out, holidays, clothes, gifts, anything not above.
Car loans, personal loans, credit cards, buy now pay later. Not your home loan.

Ask: anything with a repayment other than the home loan?

Money in each month$0
Bills each month$0
Home loan repayment$0
Left over each month$0