Strategies for becoming debt-free
Practical guides on mortgage overpayments, student loans, car financing, and repayment planning grounded in standard amortisation principles.
5 articles
Student Loan Interest at 6.2%: Should You Pay Off Early in 2026?
UK Plan 2 student loan rates are up to 6.2% as of April 2026, with a 6% cap due from 1 September 2026. Here is a cautious framework for deciding whether overpaying makes sense.
How to Pay Off Your Mortgage Faster: Tips and Strategies
Explore practical ways to reduce mortgage interest and shorten your term, with UK-focused caveats around overpayments, remortgaging, and lender rules.
Should I Pay Off and Keep My Current Car or Upgrade?
Using loan amortisation techniques can inform decisions on whether to pay off and keep a car or upgrade. Consider factors such as financial stability, car condition, driving habits, and personal preferences. Evaluate options based on amortisation schedules to determine the most cost-effective choice. Research financing options and long-term costs before making a decision.
Free Tool
See the maths for yourself
Use our free amortisation calculator to model overpayments, compare terms, and visualise your loan payoff.
How to Print a Printable Amortisation Schedule from a CSV File
Discover how to print a printable amortisation schedule from a CSV file exported from our loan amortisation calculator. Follow these steps for seamless financial planning and analysis. Take control of your finances today!
Loan Amortisation Calculator: Export Data to Sheets or Excel
Learn how to utilise our loan amortisation calculator to plan your finances effectively. Discover the step-by-step process to export your data to Google Sheets or Excel for convenient access and analysis.