Additional Mortgage Repayment Tracker

Paying off a mortgage can feel overwhelming, but with the right tool, it becomes much clearer and more motivating.

The Additional Mortgage Repayment Tracker is a simple yet powerful Google Sheets template designed to help you see, in plain language, how even small extra repayments can make a big difference over time.

No financial jargon, no complicated formulas. Just a clean, easy-to-follow layout that shows you where you are, and where you’re heading.

Here’s what you’ll get

Straightforward Setup

Get started quickly by entering your loan details, outstanding balance, annual interest rate, and regular repayment amounts.

The tracker does the heavy lifting, building your full repayment journey automatically.

Side-by-Side Comparisons

At the top of the sheet, a clear summary shows two scenarios:

• Regular repayments only - your current path, including projected loan term and total interest.
• With extra repayments - how your numbers change when you add extras.

You’ll also see a projected payoff month and year, so you can visualise the finish line.

Dynamic Loan Tracking

The tracker goes beyond a simple calculator. It maps out your mortgage journey over time and shows:

• Your opening and closing balance
• Regular repayments
• Extra repayments (both regular and ad hoc)
• Interest rate (editable if it changes)
• Monthly interest charged
• Cumulative interest paid to date

Each adjustment updates instantly, so you can see how every choice, from an extra $50 a fortnight to a lump sum top-up, shifts your payoff date and reduces your total interest.

Motivational Layout

The clean, minimalist design helps you stay focused. By showing your original loan path next to your updated path with extras, the tracker highlights the savings and progress you’re making in real time. It’s not just about numbers, it’s about keeping you motivated on your journey to being mortgage-free.

Instant Access + Guidance

Your purchase includes:

• Immediate access to the Google Sheets tracker
• A step-by-step PDF guide with clear, beginner-friendly instructions

Paying off your home loan is one of the biggest financial goals you’ll ever work toward. The Additional Mortgage Repayment Tracker makes it simple to plan, track, and stay motivated every step of the way.

The Fine Print

Disclosure

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Disclaimer

These documents, templates, guides, and spreadsheets are not financial advice. They are intended for informational, educational, and personal planning purposes only. Users are encouraged to seek guidance from a qualified professional for personalised financial or legal advice.

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