FINANCE

Home Loan

Loan Details

Key information about your home loan

Left To Pay
▤ Interest / week
↗ Offset + repaid
Years left
↗ Years saved

Split Overview

How the loan is split between Ben and Jerry

Ben

Principal
Interest
Total / week

Jerry

Principal
Interest
Total / week

THIS WEEK

Principal vs interest

Your weekly repayment changes instantly as your offsets and extra repayments change.

SONG OF THE DAY

Open in Apple Music

Your Split

Offsets and repayments stay separate for each person.

Principal payment split

Choose each person’s share of the combined base repayment. Interest is paid first; extra repayments stay separate.

Ben50%Jerry50%

BEN

debt remaining
Balance charged interest
Weekly interest
Base principal
Total weekly repayment

JERRY

debt remaining
Balance charged interest
Weekly interest
Base principal
Total weekly repayment

Repayments

See exactly where each weekly repayment goes.

BASE REPAYMENT / PERSON AT 50/50

Principal Interest

Ben extra

Jerry extra

Without extrayears
→
With extrayears

Loan timeline

Based on your start date and current repayments

Set start date
StartedSet in Settings
Time into loan—
Estimated finish—

Choose a start date in Settings to see your progress through the term.

Interest estimate

From today, assuming your rate stays the same.

Interest to pay
Interest saved

Without offsets or extra repayments, interest is estimated at on the same remaining balance.

Projected balance

Estimated at the current rate and repayments

BenJerry
Now30 years
Ben total / week
Jerry total / week
Combined / week
Payments in next 52 weeks

Each log applies that person’s principal to next week’s balance.

Payment history

No payments logged yet.

Settings

Update the model inputs used across the app.

Display

App layout

Auto switches to Sideways on wide landscape screens.
Colour theme Choose light, dark, or follow your device.

People

I am

Formula logic

The starting loan is split equally. Repayments already applied reduce each person’s debt. Half the joint offset plus their personal offset reduces the balance charged interest, never the debt owed. Unused personal offsets do not transfer to the other share. Interest is charged at the annual rate ÷ 52 each week; payments cover interest first, then principal. Extra repayments reduce principal. Payoff estimates keep rates, offsets and payments constant, cap the final payment, and assume no fees. Payments stop when each share is repaid and are not redirected. Actual lender calculations may differ.

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