Personal Finance
Mortgage Overpayment & Amortization Simulator | UK & US Repayment Tool
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22 Oct 2025
About this Tool
Model your mortgage payments and see how overpayments impact interest, term length and total cost. Generate full amortization schedules for UK or US mortgages and compare scenarios instantly.
Tool
Mortgage Overpayment Simulator
Mortgage Details
Payment & Overpayment
Total extra paid per month (converted to per-payment).
Select frequency of payments.
How interest is added to the balance.
Simulation Results
Standard Mortgage
Term
Total Interest
Scheduled Payment
With Overpayments
New Term
Total Interest
Total Payment (Sch. + Extra)
Your Savings
Time Saved (Years)
Interest Saved
Amortization Schedule
| No. | Payment | Principal | Interest | Balance |
|---|
Disclaimer:
This simulator is for **illustration only** and is not financial advice. The results are estimates based on your inputs. **Currency rates are provided by ExchangeRate-API (USD base) and may not reflect real-time market prices.** Actual mortgage terms, interest calculations, and lender policies (especially on overpayments) may vary significantly. Always consult a qualified financial advisor or your mortgage lender before making decisions.
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