Crown Money Mortgage
PayOff Plan
1300 882 981
Free · First time ever offered

Your Mortgage PayOff Plan

The more realistic your answers, the more accurate your plan. Best estimates are fine, and your progress saves as you go.

Only questions marked * are needed. Skip anything you'd rather not share; you can always go through it with your specialist.

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Let's start with you

Your plan changes a lot depending on your stage of life, so we'll start here.

Why we ask

Your age and retirement goal let us show whether the bank's plan would still have you paying a mortgage when you want to stop working, and what you could build by then. Family details shape your realistic costs.

Please enter your first name.
Your relationship status
Please choose one.
Whose names are on the home loan?
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Your work and income

Use take-home pay (after tax). We'll work out the before-tax figures for your plan.

Why we ask

Your income is the engine of your plan. We ask for take-home pay because that's what you actually spend, and before-tax pay so we can use Australian tax rates to show what you'd need to earn to get the same result without a plan. Pay frequency matters because interest is charged daily.

Your work
Please choose one.
Please enter your take-home pay (enter 0 if none).
Your partner's work
How steady is your household income?
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Your monthly living costs

Everything except your mortgage and other loan repayments (those come later). Enter each amount however you think of it (weekly, monthly, quarterly or yearly) and we'll do the maths. Best guesses are fine.

Why we ask

Your plan runs on the gap between what comes in and what goes out. Separating essentials from lifestyle lets us find savings without touching the things that matter, and estimate leaks realistically.

Essentials

Lifestyle

Total living costs$0 / month
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Your money habits

No judgement: almost every household has a few of these. Tick any that sound like you, and we'll put the right fixes in your plan.

Why we ask

These habits tell us where money usually leaks, so your plan targets the fixes that will work for you, not generic budgeting tips.

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Other debts

Leave blank anything you don't have. When a debt is cleared, your plan rolls its repayment into the mortgage.

Why we ask

Other debts usually cost far more than your mortgage. We work out when each one will be cleared so its repayment can roll into your home loan, and flag any that should be tackled first.

Credit cards

Car loan / novated lease

Personal loan

Afterpay, Zip & other Buy Now Pay Later

Other (tax debt, family loan…)

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Your home loan

Your latest statement or banking app has these. Close enough is fine.

Why we ask

This is the heart of the comparison. Your balance, rate, term and repayment let us model the bank's schedule exactly. Your offset, savings and fees show where structure alone could save you years. Investment properties affect your cash flow and borrowing options.

Please enter your loan balance.
Please enter your interest rate.
Please enter the years remaining.
Rate type
Do you have a 100% offset account?
Do you own any investment properties?

Investment property 1

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What's coming up?

Life changes. Telling us what you can see coming makes your plan far more realistic: costs that will end, new costs on the way, and changes to your income.

Why we ask

A plan that ignores the future isn't realistic. When childcare ends or a partner goes back to work, more money can go to the loan; when school fees or a new car arrive, your plan eases off automatically.

Costs that will stop

e.g. childcare ending when kids start school, school fees ending, a car loan finishing

New costs on the way

e.g. private school fees starting, a baby, a new car, renovations, caring for parents

Leave "Lasts" blank if it's ongoing.

Changes to your income

e.g. a partner returning to work, a promotion, parental leave, going part-time. After-tax, per month.

Leave "For" blank if it's permanent.

Money you're expecting

e.g. an inheritance, a bonus, the sale of an investment or a car
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Extra money and your goals

These are optional, and often where the biggest wins hide.

Why we ask

Tax refunds, lump sums and extra income can shave years off. Your goals help us measure your plan against what you actually want, and help your specialist focus your appointment.

What matters most to you? Tick all that apply
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Where should we send your plan?

Your plan appears on the next screen, ready to download, email or share. A Crown Money specialist can then walk you through it for free.

Why we ask

So we can send you your plan and a specialist can walk you through it. Your details are never sold and you can opt out any time.

Please enter your last name.
Please enter a valid email.
Please enter a valid Australian mobile.

Who referred you?

So we can thank them. If they're a Crown Money client, they may be eligible for our referral reward.
Please tick to continue.

🔒 Your information is private and never sold. No credit check.