This tool gives you a clear picture of your mortgage: how much you're on track to pay in interest, and what you could realistically do about it.
Everything you see is an estimate based on your numbers and a set of standard assumptions: fixed interest rate, consistent repayments, no break costs or fees. Your actual results will vary based on your loan, lender, and circumstances. For personalised advice, our brokers are here.
Just keep in mind:
Strategies marked TALK TO A BROKER FIRST need professional advice before you act
For debt recycling, super, and investment strategies, speak with a licensed financial adviser and registered tax agent
Tax rules depend on your individual circumstances and change over time
Level Up Loans Pty Ltd is a licensed Australian credit broker; not a financial adviser or tax agent
Level Up Loans Pty Ltd | Australian Credit Licence | General information only
Debt Crusher™ | Life has levels
Mortgage strategy calculator
Most Australians will pay more in interest than they borrowed.
Enter your loan details to see exactly how much interest you're on track to pay; and how to cut it down.
25+
Strategies
60+
Lender partners
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Interest you could save
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Years you could save
Step 1: Enter your loan details
It's in your banking app or last statement. Never checked? You're likely on 6 to 7.
Five years into a 30 year loan? Choose 25.
Offset account; a savings account linked to your loan. Money sitting in it reduces your interest daily. Redraw facility; extra repayments you've made that you can withdraw later. Also reduces interest. Not sure which you have? Check your loan documents, your online banking, or call your lender.
▼Add more detail for a more accurate picture (unlocks 5 more strategies)
How much you owe vs your property's value (LVR)…
On your current trajectory
You will pay
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in interest over … years.
⚠️ Calculating…
But it doesn't have to be this way. Here's what you can do about it.
Tap any strategy to add it to your plan; your total savings update automatically.
New to this? The five starters are free, safe, and need no jargon. Tip: offset, redraw and multiple offsets all model the SAME parked savings, so enter your money in one of them, not all three.
How to use the Spend Tracker
Go through your last bank or credit card statement and enter your average monthly spend in each category. Rough numbers are fine.
Essential expenses are things you have to pay; rent, groceries, insurance, transport.
Discretionary expenses are lifestyle choices; dining out, subscriptions, shopping. Be honest; no judgements here.
Your results appear automatically below; showing how much you could save by redirecting a portion to your mortgage.
🔒Essential expensesNon-negotiable costs of living
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✂️Discretionary expensesThis is where the biggest savings often hide
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Total monthly spend
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Discretionary only
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What if you redirected a portion of your discretionary spend to your mortgage?
Your discretionary figure has been applied to the strategy calculator.
ℹ️ All figures are estimates assuming a constant rate and consistent repayments, with no fees or break costs included. Strategies marked Talk to a broker first show directional value only. Default rates last reviewed 2 July 2026.
Select strategies to see your combined result
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Activate strategies on the Explore tab to unlock your savings.
📬 Save your results
Get your personalised savings summary sent to your inbox; so you can review it later or share it with your partner.
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✅ Done! Check your inbox; your results summary is on its way. While you wait, book a free call to turn these numbers into a real plan.
These numbers are real. Let's make them happen.
A free 15-minute call is all it takes; we'll check your rate across 60+ lenders and build your actual plan.
Loan balance over time; all active strategies vs doing nothing
Interest paid comparison
Full strategy comparison; all 25+ strategies ranked
Here's a suggested game plan based on what typically works best for Australian borrowers. Start with the free moves in Phase 1; they cost nothing and can save tens of thousands. Work through the rest with help when you're ready.
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Strategies active
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Interest you could save
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Years freed up
Life has levels. We finance the next one.
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Why Australians choose Level Up Loans
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Anywhere in Australia
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A free 15-minute call is all it takes. We'll check your rate across 60+ lenders and show you exactly what you could save; anywhere in Australia, no obligation.