Ben
Total (principal + interest)
FINANCE
Home Loan
Overview
Loan Details
Key information about your home loan
Left To Pay
Years saved
Interest / week
Years left
Offset + repaid
Split Overview
How the loan is split between Ben and Jerry
Jerry
Total (principal + interest)
THIS WEEK
Principal vs interest
Your weekly repayment changes instantly as your offsets and extra repayments change.
SONG OF THE DAY
Your Split
Offsets and repayments stay separate for each person.
BEN
debt remainingBalance charged interest
Weekly interest
Base principal
Total weekly repayment
JERRY
debt remainingBalance charged interest
Weekly interest
Base principal
Total weekly repayment
Repayments
See exactly where each weekly repayment goes.
BASE REPAYMENT / PERSON
Ben extra
Jerry extra
Without extrayears
→
With extrayears
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
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.