Mortgage Overpayment Simulator

Mortgage-free date — the contractual payment plus the extra, on the balance after any lump sum, solved for the month it reaches zero — with interest saved against doing nothing.

$14one-time · VAT included · no subscription

Free files

In your download: 8 files

Excel workbook · Light · USD
START HERE guide (PDF)
Excel workbook · Dark Mode
Excel workbook · UK · GBP
Excel workbook · EUR
Excel workbook · AUD
Excel workbook · CAD
Excel workbook · INR

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Works inExcel Google Sheets

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of the Complete Collection — 119 workbooks, every edition, future releases, $99.

The ritual page

What the file tells you

Two hundred a month, a lump sum, a rate that goes up — every overpayment scenario against your balance and term, with the one number that matters: the month you are mortgage-free. And the two checks nobody does: does it fit your spare cash, and does the lump leave the emergency fund whole?

01 · verdictInterest — what the scenario saves, and what a rate rise does to it

02 · verdictTime — months earlier, the new payoff date

03 · verdictCash — payment vs what you have spare, the lump vs the emergency fund, the overpayment allowance

Sheets in the workbook

✓Analyzer · pick a scenario: mortgage-free date, three verdicts, three tasks

✓Scenarios · extra per month, lump sum, rate change — one line each

✓Projection · the picked scenario year by year

✓Settings · balance, rate, term, spare cash, savings, emergency fund, allowance

How it works

1Enter the mortgage — balance, rate, months left, spare cash, savings, emergency fund, overpayment allowance — once

2Add scenarios as lines — seven ship with the file: extras, lump sums, a rate rise, all the savings

3Pick a scenario on Analyzer — payoff date, DO IT / STRETCH / NO GAIN, interest saved, year by year

Who it is for

Homeowners with a bit spare each month who want to know what it actually buys.

Dark edition included

Mortgage Overpayment Simulator — dark edition

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay and Google Pay. Prices in PLN, EUR or USD; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

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Mortgage Overpayment Simulator

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