Target Payoff Planner

Work backwards from your goal date to find the required overpayment

This tool calculates the monthly overpayment needed to pay off your mortgage by a specific target date.

Enter your desired payoff time in years and months. The calculator works backwards to find the required monthly overpayment.

💡 Tip: Even a modest target reduction (e.g., paying off 2-3 years early) can save thousands in interest and give you more financial freedom sooner.

Principal (£) Rate (%) Term (months) Start Date Target Years Target Months

Results

Required Overpayment	Total Interest	Payoff Date