Play with the numbers
What could a little extra do?
Pick a loan type, nudge the sliders, and see how small monthly extras might shrink interest and time. Illustrative only, not advice.
Your inputs
Shape the scenario
Starter figures for a mortgage. Swap in your balance, rate, and remaining term.
Typical scale for a repayment mortgage on a long schedule, replace with your balance, rate, and remaining term.
Calculator outputs are planning estimates; check rates, charges, and how extra payments are applied on your loan agreements before you rely on them.
Illustrative only
Mortgage
On this model
£13,467
less interest over the life of the loan
Finish about 1y 6m sooner with £70/mo extra
Interest without extra
£168,505
Interest with extra
£155,039
Months saved
18
Term left
22 years
Simple amortising model for £265,000 at 4.9% over 22 years. Does not include early-repayment charges, annual caps, or lender-specific rules.
Koyxo
Try it on your real loan
Add a balance in the app, set a pot, and let small amounts drift toward your lender.