Cashew

Mortgage/Loan Details

Outstanding Balance (£)

Annual Interest Rate (%)

Remaining Term (years)

Monthly Repayment (£) This will be calculated automatically based on balance, rate, and term

Fixed-Rate Period (years) - Optional

Loan Type

Overpayment Strategy

Monthly Overpayment Amount (£)

Overpayment Duration

Number of Years

Total Overpaid Amount Preview

Include lump sum payment(s)

Lump Sum Amount (£) Month to Apply (Optional, default: 1) If left blank, lump sum will be applied in month 1 (now). Enter 1-12 to schedule for a specific month.

Investment Alternatives

Investment Type

Monthly Investment Amount (£)

Expected Return Rate (%) Default: 4% for Cash ISA, 7% for Stocks & Shares ISA

Risk Tolerance

Tax & Personal Details

Annual Gross Income (£) - Optional Leave blank if you prefer to select tax band manually

Tax Band Will be auto-determined if you enter annual income above

UK Tax Code - Optional Enter your tax code for more accurate calculations (e.g., 1257L, BR, 1257M)

Pension Contribution (%) - Optional Enter as percentage of gross salary (e.g., 5 for 5%)

OR Pension Contribution Amount (£) - Optional Enter fixed annual amount if not using percentage

Student Loan Plan - Optional Select your student loan plan if applicable

Inflation Rate (%) Default: 2%

Additional Taxable Investments

Add savings accounts, bonds, or other investments that earn interest outside of ISAs. These will be taxed based on your Personal Savings Allowance and tax band. Note: ISAs are already tax-free, so don't include them here.

Cashew

Mortgage/Loan Details

Overpayment Strategy

Investment Alternatives

Tax & Personal Details

Additional Taxable Investments

Sensitivity Analysis

Calculation Results

Mortgage Balance vs Investment Growth Over Time

Tax Breakdown

Interest Savings Breakdown

Overpayment vs Investment Comparison