Mortgage Tracker

Idle

Loan setup

Original loan amount

Mortgage start date

Term (years)

Starting offset

Main offset on settlement day. Pace is measured from here.

Backup and restore

Backups are encrypted with your passphrase and include all snapshots, rate history and settings. Auto-backups run monthly to your Downloads folder.

Danger zone

Changing the passphrase re-encrypts all data with a new key and issues a new recovery key. Forget device clears the local cache and stored passphrase.

Log this month

Main offset drives pace

Lerako Photo Tours float

Nico Business tax

Combined offset

Working for you

Loan balance statement

Repayment total out

Interest portion

Rate % p.a. projections

First 12 monthsMain offset · actual vs scenarios

Count part of Nico Business as real savings 0%

All scenariosPosition = your main offset minus what the line expects today

When repayments become principal onlyOffset reaches loan balance. Marker = you now

Offset growth vs loan balance30-year view · dot = you now

Actual loan balance vs projectionsFirst 24 months

Cumulative interest saved

Deep dive

Loan vs offset vs effective balance

Monthly interest over time

Offset balance targetsWhere each line puts you

Monthly interest at milestones

The magic number

Offset balance historyOffsets on left axis · loan on right axis

Cumulative actualsFrom your statements

Snapshots

Rate history