💥 Lump-Sum Repayment Simulator
Take control of your mortgage journey by modeling a one-off lump-sum pay-down! This Lump Sum page helps you see exactly how an extra repayment accelerates your equity and alters your amortisation.
🔧 Interactive Inputs
Lump Sum Amount ($) slider – Choose the extra payment you’ll drop in at once
Lump Sum Timing slider – Pick when (as a fraction of your loan term) that one-off payment hits
(Plus your regular Deposit, Loan Amount, Interest Rate & Loan Term controls)
📊 Monthly Amortisation with Lump
🟡 Orange = monthly interest portion
🟢 Green = monthly principal portion
🔵 Blue = constant scheduled payment
🔑 At the chosen month, watch the green line jump (huge principal credit) and the orange line dip—your extra payment slashes outstanding balance and future interest.
📈 Cumulative Cash-Flow Impact
🟡 Orange = total interest paid to date (steps down after lump)
🟢 Green = total principal repaid (big step up)
🔵 Blue = overall cash outflow (principal + interest + lump)
Tracking these curves shows how one-off repayments shift your long-term cost profile—more equity, less interest in the tail end.
💰 Loan Balance & Home Equity
🔵 Blue (left) = remaining loan balance in dollars
🟢 Green (right) = equity as % of your property value
See the kink where your lump-sum slams the balance down and boosts equity overnight—then watch the regular repayment pace resume.
🚀 How to Explore
Set your lump-sum size and timing, then slide your other inputs — everything updates live ⚡
Hover for exact “before vs. after” values at any month 🖱️
Use the info icons to recall which line is which—colors and dotted styles keep you oriented 🎨
Experiment with different lump amounts and timings to discover the sweetest spot for turbo-charging your home-ownership!