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UK Mortgage Overpayment Calculator | Interest Saved & Mortgage-Free Date | Amortisation Schedule | Google Sheets

James

Designed by James

UkMoneySheets ·

United Kingdom

Includes Etsy Purchase Protection

You can only make an offer when buying a single item

Highlights

  • Designed by UkMoneySheets
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 PDF

Thinking about overpaying your mortgage? Enter your balance, rate and remaining term, add a monthly overpayment or lump sum, and see how much interest you’d save and how much sooner you’d be mortgage-free, with a full month-by-month schedule. Check your lender’s overpayment limit first.

Compare your mortgage projection with and without extra payments. Enter your balance, rate, remaining term and overpayment assumptions to see estimated interest and repayment timing.

Five yellow cells. You get interest saved, years knocked off, and a month-by-month schedule with versus without overpayments.

WHAT'S INSIDE
- Calculator — balance, rate, remaining term, monthly overpayment, optional lump sum
- Standard monthly payment, calculated
- Mortgage-free date with overpayments vs without
- Interest saved
- Full amortisation schedule (up to 40 years)
- Chart of the balance falling both ways

Even £50-£100 a month is usually years and thousands of pounds. Overpaying beats saving when your mortgage rate is higher than your savings rate after tax — check both.

WHAT YOU RECEIVE
- Instant digital download
- A PDF with your private Google Sheets link — File > Make a copy to your own Drive
- Instructions tab
- Works in any browser with a free Google account

Check your lender's overpayment rules first. Most UK lenders allow around 10% of the balance per year without early repayment charges; terms vary. This sheet assumes a fixed rate for the whole remaining term so you can compare.

The sample in the sheet (£250,000 at 4.5% over 25 years, £100 a month extra) is an example, not a guarantee.

Pairs with the First-Time Buyer planner. Both sit in the Complete UK Money Toolkit.

Digital download — nothing is posted. Estimation only, not mortgage or financial advice. No refunds once the file has been downloaded.

Free tip: we published a short UK guide that pairs with this mortgage overpayment calculator — https://ukmoneysheets-site.vercel.app/guides/mortgage-overpayment-calculator/

Instant Download

Your files will be available to download once payment is confirmed.  Here's how.

Instant download items don’t accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

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Listed on Aug 27, 2026
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