Effective monthly rate
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NAB Homeloan Calculator
Fast, local mortgage analysis from your transaction CSV
Drop in a Pocketsmith export, inspect offset impact, and run repayment scenarios with daily-interest projection logic.
1. Upload transaction history
Local browser processing only. No backend storage.
No file selected
2. Configure scenario
Tune repayment strategy and offset assumptions.
Fixed-rate assumption. Interest is accrued daily using actual day counts.
3. Compare outcomes
Baseline loan versus your offset + extra repayment plan.
Minimum repayment
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Planned repayment
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Projected payoff date
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Interest (no plan)
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Interest (with plan)
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Estimated interest saved
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Loan term reduction
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Total paid (with plan)
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Balance projection
Blue: baseline path. Green: optimized plan.
Repayment schedule
| Period | Date | Days | Payment | Interest | Principal | Ending balance |
|---|