Mortgage Freedom Tracker

Every extra dollar you pay off your mortgage saves you thousands in interest and brings your freedom date closer. But most people have no idea how much difference each tiny extra payment actually makes.

Mortgage Freedom Tracker changes that.

See the real impact instantly
Record any extra repayment — $50, $500, $5,000 — and instantly see how many days of freedom you've reclaimed and how much future interest you've just avoided. Watch the numbers move and total up. Feel the momentum build.

Plan your path to freedom
Use the My Plan slider to model what regular extra repayments could do. Drag it and watch your payoff date shift in real time. See exactly how many years earlier you could be free, and be motivated by visualising you progres.

Track your actual journey
Every extra repayment is recorded — the amount, the days reclaimed, the interest avoided. Your total invested, total freedom reclaimed and total interest avoided, all in one place. Your complete journey, payment by payment.

Build a winning streak
Make an extra repayment every month and build your streak. Consistency compounds — and so does the impact on your mortgage.

Friendly reminders
Sunny, your mortgage mascot coach, sends you the occasional nudge to make an extra payment. Because the bank is counting on you forgetting.

One payment. Real results.
On a $500,000 mortgage at 6%, paying just $200 extra per month saves over $103,000 in interest and cuts 4 years 6 months off your loan. Even small extra payments snowball into massive savings. The bank knows this. Now you do too.

Mortgage Freedom Tracker is free to try with your first 10 payments. Unlock unlimited payments for a one-time payment of $14.99 — no subscription, yours forever.

Recent changes:
Offset Account ability added