MTracka shows you what a disciplined offset strategy can do for your Australian home loan — modelled in real time with the current tax brackets, Medicare Levy, and LITO applied.
Straight-forward. Nothing hidden. Every number you see comes from inputs you control.
Income, expenses, and who's earning what. Tax, Medicare Levy and LITO are calculated live using current 2025-26 rates.
Property value, loan amount, interest rate, term, and whether you're on Interest-Only or Principal & Interest.
Years saved, interest saved, and the monthly offset deposit that gets you there — side-by-side with the status quo.
Built around the offset strategy we've been helping clients execute for years.
Stage 3 brackets, Medicare Levy with shade-in, and the two-taper LITO — all applied the moment you enter gross income.
A clear before/after of the same loan, showing what disciplined deposits into your offset account actually achieve.
A 30-year projection of your loan balance under both scenarios, so you can see exactly when you break the back of the loan.
Fifty-plus expense categories organised by group, showing annual totals and real surplus — not a wishlist number.
Your inputs save locally in your browser. Nothing is sent to a server. Only you see the data you enter.
Save multiple scenarios — "current plan", "aggressive paydown", "after kids leave home" — and swap between them.
On a typical Australian home loan, families pay almost as much in interest as the house cost. MTracka shows you how much of that you can keep — and how many years you can win back — by running surplus cash flow through your offset account.
A considered mortgage strategy can shave decades off a home loan and reshape a family's financial life.
Takes about 10 minutes. No signup. Your data stays on your device.
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