FINANCE

Home Loan

Loan Details

Key information about your home loan

Left To Pay
↗ Offset + repaid
Years left
↗ Years saved

Split Overview

How the loan is split between Ben and Jerry

Principal
Interest
Total / week

Principal
Interest
Total / week

THIS WEEK

Principal vs interest

Your weekly repayment changes instantly as your offsets and extra repayments change.

SONG OF THE DAY

Open in Apple Music

Offset Overview

See how each person’s offsets affect their loan balance and interest.

BEN

debt remaining
Balance charged interest
Weekly interest
Base principal
Total weekly repayment

JERRY

debt remaining
Balance charged interest
Weekly interest
Base principal
Total weekly repayment

Household bills

Bring your regular home costs together in one clear view.

Estimated yearly total A$0 Based on each bill’s frequency
Regular bills 0 Household expenses tracked

Add a household bill

Enter the amount and how often it comes around.

Quick add by category:
Bill type

Your bills

Review each expense and its next due date.

0 bills

Repayments

See exactly where each weekly repayment goes.

COMBINED MINIMUM MONTHLY REPAYMENT

Principal Interest

Ben extra

Jerry extra

Without extrayears
→
With extrayears

Loan timeline

Based on your start date and current repayments

Set start date
StartedSet in Settings
Time into loan—
Years left—
Estimated finish—

Choose a start date in Settings to see your progress through the term.

Interest estimate

From today, assuming your rate stays the same.

Interest to pay
Interest saved

Without offsets or extra repayments, interest is estimated at on the same remaining balance.

Projected balance

Estimated at the current rate and repayments

BenJerry
Now30 years
Ben total / week
Jerry total / week
Combined / week
Payments in next 52 weeks

Each log applies that person’s principal to next week’s balance.

Payment history

No payments logged yet.

Settings

Update your loan settings or connect a shared cloud login.

Display

App layout

Auto switches to Sideways on wide landscape screens.
Colour theme Choose light, dark, or follow your device.
Seasonal themesAdd a little celebration to your app.

People

I am

Formula logic

The starting loan is split equally and each share is calculated separately. Repayments already applied reduce that person’s debt. Half the joint offset plus that person’s offsets reduce their daily balance charged interest, not the debt owed. Interest accrues daily at the annual rate divided by 365 (366 in leap years) and is added monthly. The weekly payment estimate splits the monthly minimum × 12 ÷ 52 between you. Projections assume the rate, offsets and repayments stay the same and exclude fees. This is a tracking estimate; your lender’s repayment schedule is authoritative.

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