Mortgage Repayment Planner (AU)
Charts via QuickChart. Lender rates load from your Google Sheet (CSV).
Property & Loan
Repayment (monthly): $4,023
6.29%
6.39%
6.34%
6.44%
6.09%
Income & Household
Core living costs (monthly)
Custom expenses
No custom rows yet.
Summary
Household income
$15,000/mo
Total expenses
$7,083/mo
Mortgage (monthly)
$4,023
Savings (est.)
$7,917/mo
Mortgage = 26.8% of income. All expenses = 47.2% of income.
Where your money goes (Pie)
Benchmark check (vs averages)
Household: couple. Broad monthly baselines; adjust to your situation.
Category
Yours
Average
Note
Council rates
$250
$250
close to average
Water
$100
$100
close to average
Electricity
$220
$220
close to average
Internet
$90
$90
close to average
Food
$1,400
$1,100
above avg → worth reviewing
Transport / Car
$600
$600
close to average
Misc
$400
$400
close to average
Home insurance
$0
$110
very low → check under-budgeting
Health insurance
$0
$300
very low → check under-budgeting
Phone
$0
$120
very low → check under-budgeting
Streaming
$0
$40
very low → check under-budgeting
Loan payoff snapshot
Loan amount
$650,000
Rate used
6.30%
Term
30 yrs
Monthly payment
$4,023
Total interest (est.)
$798,396
Offset boost
How a monthly offset contribution shortens your loan and saves interest
Current monthly savings: $7,917
Months saved
58 mo
Interest saved
$235,431
New payoff
25.2 yrs
Year-by-year payoff (with current offset)
Year
Principal paid
Interest paid
Ending balance
1
$7,722
$40,558
$642,278
2
$8,611
$39,668
$633,667
3
$9,559
$38,721
$624,108
4
$10,568
$37,712
$613,540
5
$11,643
$36,637
$601,897
6
$12,787
$35,493
$589,111
7
$14,005
$34,275
$575,106
8
$15,302
$32,978
$559,803
9
$16,684
$31,596
$543,120
10
$18,155
$30,125
$524,965
11
$19,721
$28,558
$505,243
12
$21,389
$26,890
$483,854
13
$23,166
$25,114
$460,688
14
$25,057
$23,223
$435,631
15
$27,071
$21,209
$408,560
16
$29,216
$19,064
$379,344
17
$31,500
$16,780
$347,844
18
$33,932
$14,348
$313,912
19
$36,521
$11,759
$277,391
20
$39,279
$9,001
$238,112
21
$42,215
$6,065
$195,897
22
$45,342
$2,938
$150,555
23
$48,026
$253
$102,529
24
$48,280
$0
$54,249
25
$48,280
$0
$5,969
26
$5,969
$0
$0
Notes: Expense baselines loosely reference Australian household spending guides (ABS HES & Moneysmart). Treat as starting points only.Lender list & rates load from your Google Sheet CSV above.
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