Paydown
Mortgage Tracker · iOS

Your mortgage,
simplified.

Track your balance, your offset, and your progress.

Coming soon to the App Store Free calculator · Pro from $1.99/mo
See it in action
Mortgage tracker · Pro

Your mortgage, simplified

Balance, interest, and offset — all in one clear view.

9:41●●●
PAYDOWN
My mortgage
Pro
Summary
Payments
Progress
Current balance
$624,500
Your Address
8.7% paid off
Offset account
$42,800
Effective $581,700
Loan cost to date
Total repaid
$24,880
Std principal
$9,140
Extra paid
$15,740
Int. paid
$29,650
Proj. remaining
$448k
Insights
Time remaining
21y 8fn
Saved from today
2y 11fn
Overall time saved
3y 19fn
Paydown now
Time to log your payment
9:41●●●
PAYDOWN
My mortgage
Pro
Summary
Payments
Progress
Log payment
April 2026
Payment ($)
3,180.50
Extra ($)
1,420.00
Interest ($)
2,240.75
Offset ($)
42,800
Save payment
Payment history
Edit
Mar 2026
Int: $2,241 · Off: $42,800
$3,181
+$1,420
Feb 2026
Int: $2,388 · Off: $42,800
$3,181
+$1,630
Jan 2026
Int: $2,396 · Off: $42,800
$3,181
+$1,290
Previous paymentsto Dec 2025
Total repaid
$32,136
Std. principal
$21,860
Extra payments
$10,276
Interest paid
$9,840
9:41●●●
PAYDOWN
My mortgage
Pro
Summary
Payments
Progress
Balance: baseline vs projected
Baseline
With extras
Interest saved
$198,340
Time saved
6y 4m
Projected payoff
Feb 2048
Daily int. (proj.)
$93.17
Projection inputs
Offset growth per period0%
Additional payment per period$1,200
Year-by-year projection
Year Baseline Projected Int. saved
+Yr 1 $794,756 $778,083 $3,673
+Yr 10 $637,456 $420,708 $86,748
+Yr 20 $337,377 Paid off $300,209
9:41●●●
PAYDOWN
Repayment calculator
Free
Inputs
Results
Chart
Loan amount
$750,000
$100k$2m
Interest rate
6.10%
1%15%
Loan term
30 years
5yr30yr
Payment frequency
Monthly
Fortnightly
Weekly
What it does

Everything you need to help you understand your mortgage

Track your mortgage

See your balance, offset account, and effective interest cost at a glance — updated as you log each payment.

Model your progress

Adjust extra repayments and see a year-by-year projection of your balance and estimated interest saved.

Free repayment calculator

Estimate repayments on any loan amount, rate, and term — free, no account required, before you even commit.

Pricing

Free to start. Upgrade when you need more.

Free
$0
The repayment calculator, always free.
  • Estimate repayments for any loan
  • No account or sign-up required
  • Monthly, fortnightly, or weekly frequency
Paydown Pro
$1.99/month
Everything you need to understand and pay off your mortgage faster.
  • Balance, interest & offset trackingView your balance, interest remaining, offset & payoff progress — all in one clear view
  • Time saved insightsSee time saved with offset & extras — vs no offset, from today & from loan start
  • Payment history & loggingLog each payment, interest, extras & offset — build your complete history
  • Payoff projectionsAdjust extra repayments & offset growth — model different scenarios & explore their impact
Auto-renewing monthly subscription, billed via the App Store. Cancel anytime.

Get a clearer picture of your mortgage.

Free to try. No account needed to get started.

Coming soon to the App Store