A 100% offset account doesn't pay you interest — it strips it from your home loan instead. Plug in your numbers and see what your everyday cash could be doing.
Your loan
Principal & interest, repayments held constant.
$
% p.a.
years
$
The typical balance you'd hold across the year — savings, salary buffer, emergency fund all sitting in offset.
Heads up. This calculator assumes a constant offset balance and a fixed interest rate. In reality your offset balance moves around and rates change — but the savings story stays the same: more in offset, less interest paid.