See the debt and payoff path
Track the outstanding balance, monthly payment and projected mortgage-free date at the current rate.
UK mortgage tracker
See where the mortgage stands and what changes it.
Track the balance, loan-to-value, fixed-rate end and overpayments in one place. Compare the current path with a remortgage, a higher rate or an extra monthly payment before making the next decision.
One-time purchase Works offline UK mortgage calculations No account
The actual light-mode dashboard, shown with the example Halifax mortgage.
The position behind the payment
Track the balance, rate and deadlines together
The monthly payment is only one part of the mortgage. The tracker keeps the current position, future dates and what-if calculations connected to the same figures.
Count down to the end of the deal
Keep the fixed-rate end visible and see the six-month shopping window before the mortgage reaches the lender's SVR.
See the next LTV band
Connect the mortgage balance with the property value and see how much principal remains before the next common rate band.
Log what you actually overpay
Reduce the balance with each dated extra payment and track how much of the annual allowance has been used.
Model higher-rate payments
See the monthly and yearly difference at one, two and three percentage points above the current rate.
Compare overpaying and remortgaging
Use the built-in calculators to compare the current deal, SVR and a new fix, including a product fee.
One mortgage or several
Keep each balance attached to its own deal
Track more than one mortgage without mixing the rates, property values or fixed-rate dates. The portfolio row keeps the total outstanding and nearest deadline visible.
- Repayment and interest-only mortgages
- Balance, rate, payment and remaining term
- Fixed-rate end, SVR and early repayment charge
- Property value and dated revaluation history
- Optional offset balance and notes
Overpayments with context
Separate the plan from what you have paid
Save a monthly scenario for comparison, then log each real overpayment against the balance and annual allowance.
- Log dated one-off overpayments
- Reduce the recorded balance immediately
- Track the amount used in the current allowance year
- Compare payoff dates with and without a monthly overpayment
- Estimate interest and time saved at the current rate
- Flag scenarios that may cross the ERC allowance
The trajectory behind the total
See what the next payments actually do
The Stats page turns the amortisation schedule into a smaller set of comparisons you can use when reviewing the mortgage.
- Interest versus capital over the next 12 months
- Balance still owed after 1, 3, 5 and 10 years
- Payoff date and total interest with an overpayment
- Current LTV and principal needed for the next band
- Property value history from logged revaluations
Five calculators, the same mortgage figures
Compare the choices without starting again
The calculators run against the selected mortgage, so its balance, payment, rate and term stay consistent across each scenario.
- Overpayment with ERC awareness
- Fee-aware remortgage comparison
- Overpay the mortgage or invest the surplus
- Stamp duty across England, Scotland and Wales
- Indicative residential-property capital gains tax
Try the mortgage maths first
Use the free UK mortgage calculators
Check one decision in the browser. The paid tracker keeps the balance, history, dates and connected comparisons together around those calculations.
Free calculator Mortgage affordability Two borrowing estimates reconciled into one planning range. Open tool Free calculator Mortgage overpayment Interest saved, time cut and the new mortgage finish date. Open tool Free calculator Stamp duty SDLT, LBTT or LTT across England, Scotland and Wales. Open tool
How it works
Download it once and open it in your browser
No installation, app store or account is required.
Buy and download
Etsy delivers the digital download after purchase, with the tracker, quick-start guide, licence and support details.
Add the mortgage
Enter the balance, payment, rate, term, fixed-rate end and property value. Money is entered in pounds.
Review and update
Log overpayments and valuations, compare scenarios, export key dates, print the summary and keep a separate backup.
Private by design
Your mortgage figures stay on your device
The tracker runs locally in your browser. It has no account, cloud database, analytics or lender connection, and it does not upload balances, payments, rates or property values.
It does not sync automatically between computers or fetch live mortgage rates. Export a backup from one device and import it on another when you want to move the records.
Frequently asked
Before you buy
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
Does it connect to my bank or mortgage lender?
No. The tracker is deliberately offline. You enter and update the mortgage, payment, rate, date and property-value figures you want to track.
Can I track more than one mortgage?
Yes. Each mortgage keeps its own balance, lender, rate, payment, property value, fixed-rate end and overpayment history. The dashboard also shows portfolio totals.
Does it know my lender's exact overpayment rules?
No. You enter the allowance and ERC rate from your own mortgage terms. The tracker can flag a scenario against those figures, but you should confirm the lender's rules before paying extra.
Are the payoff and interest figures guaranteed?
No. They are estimates based on the balance, payment, rate and term you enter. Rates, lender calculations and future payments can change, and the tracker is not financial advice.
Can it handle an interest-only mortgage?
Yes. It keeps the principal flat unless you log an overpayment and makes clear that the balance still needs to be repaid at the end of the term.
Can I print the mortgage position?
Yes. The summary brings balances, rates, LTV, payments, fixed-rate dates and the next 12 months' projected interest and capital into a printable page.
What is included in the download?
The single-file UK Mortgage Tracker app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Keep the mortgage position and the next decision together
Buy the UK Mortgage Tracker on Etsy, download it once and keep using it without an account or subscription.
Buy on Etsy