MyNextDollar/Loan Ledger

Coming soon

🏦Coming soon

Loan Ledger

The complete record of what your loan costs.

Repayments, true cost of ownership, rate sensitivity, offset impact and your cleardate — across the full 30-year life of your loan, not just next month.

Total interest (30yr)

$498k

At 6.1% on $650k

Offset saves

$74,200

vs no offset

Cleardate

2051

At current rate

Year-1 principal

$1,480

Of $38,600 paid

The problem

Most mortgage calculators show your monthly repayment. That's the least useful number. What you need to know is: how much does this loan cost in total, when does your payment flip from interest to principal, and what is the precise dollar impact of putting extra money in offset.

✕Most calculators show monthly repayments only. Loan Ledger shows total cost over 30 years — and exactly how much of every dollar goes to the bank vs your equity.

✕They don't model your offset account as a dynamic variable. Every extra dollar in offset has a quantified impact on your cleardate and total interest.

✕No rate sensitivity. When the RBA moves, you should instantly see what that means for your loan life — not re-enter everything from scratch.

What it will do

📅

Cleardate engine

Exact date your loan hits zero, updated as you change offset or rate.

📊

Interest vs principal

Year-by-year view of where every repayment dollar actually goes.

🎯

Rate sensitivity table

Instantly see how a 0.5% or 1% rate change affects total cost and cleardate.

💧

Offset impact calculator

Enter your offset and see exact interest saved and months removed.

⚡

Extra repayment modeller

What does $500/month extra do? See the cleardate move in real time.

Future workflow

01

Enter loan details

›

02

Link offset balance

›

03

Set rate scenarios

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04

See cleardate impact

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05

Model extra repayments

Get notified when Loan Ledger launches

First 500 users get lifetime access to the full rate scenario engine.

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Educational scenario modelling only · Not financial advice · Australia