Mortgage Tracker
Idle
Loan Setup
Backup & Restore
Backups are encrypted with your passphrase. They include all snapshots, rate history, and settings. You can restore on any device by loading the JSON and entering the passphrase. Auto-backups run monthly to your Downloads folder.
Danger Zone
Changing passphrase re-encrypts all data with a new key. Keep the recovery key updated. "Forget Device" clears the local cache and stored passphrase — you'll need to log in fresh.
Personal / household offset — drives trajectory
Business float — informational
Mostly tax/GST — partly real savings (slider)
Total Working for You
$0
For projections — actual interest comes from your repayment data
From your monthly statement
Total $ that came out
From your bank app
All Scenarios at a Glance
When Do Repayments Become Principal Only?Offset >= Loan = $0 interest
What this means: Once your combined offset matches the remaining loan, the bank calculates interest on $0. Every cent of your repayment hits principal directly.
Offset Growth vs Loan BalanceWhite dot = your position now
Cumulative Interest Saved
Actuals vs ProjectionReal loan balance overlaid on scenarios
As you save snapshots each month, your real loan balance trajectory will appear here, overlaid against the modelled scenarios so you can see which one you're tracking.
Deep Dive
Loan vs Offset vs Effective Balance
Monthly Interest Over Time
Offset Balance TargetsWhere you need to be
Monthly Interest at Milestones
The Magic Number
Offset Balance HistoryYour actual journey
Cumulative ActualsFrom your real snapshots
Monthly Snapshots
Rate History