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Lump Sum Calculator

Lump Sum Payments Mortgage Calculator

How much time and interest can you save by paying a lump sum off your home loan? Find out using this mortgage calculator.

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Lump Sum Investment Calculator

The Power of Lump Sum Payments

A lump sum payment can transform your mortgage - potentially saving you thousands in interest and years off your loan term. The earlier you make these payments, the greater the impact.

⏱️ Time Savings

$20,000 paid in year 2 could reduce a 30-year loan by 4+ years

💰 Interest Savings

Early lump sums save more by reducing compounding interest

How Our Calculator Works

  1. Enter your current loan details and repayment frequency
  2. Specify your planned lump sum amount and when you'll pay it
  3. See exact savings in dollars and reduced loan term

Pro Tips for Maximum Impact

  • Make lump sums early in the loan term when interest costs are highest
  • Combine with higher repayment frequency (weekly/fortnightly)
  • Check your loan terms for extra repayment limits

"A single $10,000 payment in year 5 could save $25,000+ over a 30-year loan"