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Mortgage Offset Calculator (USA)

See how cash parked in a linked offset or all-in-one account cuts the interest you're charged, shortens your payoff, and beats what the same money would earn after tax in a regular savings account.

For estimation purposes only. Offset and all-in-one products vary widely — confirm terms, fees and offset rules with your lender.
1 Your mortgage
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2%8%15%
yrs
Your payment stays the same — the interest you save goes straight to principal.
2 Offset account
%
3 Compare vs. savings
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%
Charged each year the offset is open, until payoff.
Interest saved with offset
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Enter your details and click Calculate
Offset highlights
Interest saved —
Time saved —
New payoff —
Offset balance at payoff —
Equivalent savings APY —
Net benefit vs. savings —
Interest comparison
Calculate to see comparison
Without an offset account
Loan balance—
Interest rate—
Monthly P&I—
Payoff time—
Total interest—
Savings interest earned—
With your offset account
Starting offset balance—
Monthly deposit—
Offset effectiveness—
Offset cap—
Monthly P&I—
Payoff time—
Total interest—
Total fees paid—
Offset balance at payoff—
Average interest offset /mo—
Offset vs. savings account
Interest saved (tax-free)—
Savings interest after tax—
Offset fees—
Interest reduced by—
Time saved—
Equivalent pre-tax APY—
Net benefit of offsetting—
Debt-free date—
Visualizations
Loan balance & offset over time
Where the interest goes
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial or tax advice. Offset and all-in-one mortgage products are not offered by every U.S. lender and their rules differ. Results assume the payment stays fixed and all offset interest savings are applied to principal. Confirm product terms, fees, and tax treatment with your lender and a tax professional.