Mortgage overpayment scenario explorer

If you take your savings and overpay your mortgage once a year instead of leaving them invested, what happens to your mortgage, your pot, and your total net wealth — and how does that change with what your savings would otherwise return?

Your numbers

Paid in at the end of each month. Whole pounds.

A bonus or similar, paid in on each anniversary.

% of balance per year, comma separated — one line per rate, up to 10.

% per year, comma separated — each becomes a selectable view, up to 10.

At a glance: final net wealth by overpayment rate

Each line is one investment return rate. Where a line slopes up, overpaying more leaves you wealthier; where it slopes down, the money works harder left invested.

Scenario detail

If my savings return
Headline results for each overpayment rate at the selected return rate. Savings and interest comparisons are measured against never overpaying.