Mortgage strategy tool · 2025-26 tax rates

Your future,
built on property.

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.

16%
New lower bracket
$700
Max LITO offset
30yr
Loan projection
10min
To complete
How it works

Three steps from data to decision.

Straight-forward. Nothing hidden. Every number you see comes from inputs you control.

Tell us about your household

Income, expenses, and who's earning what. Tax, Medicare Levy and LITO are calculated live using current 2025-26 rates.

Set your loan up

Property value, loan amount, interest rate, term, and whether you're on Interest-Only or Principal & Interest.

See your strategy

Years saved, interest saved, and the monthly offset deposit that gets you there — side-by-side with the status quo.

Inside the tool

What MTracka shows you.

Built around the offset strategy we've been helping clients execute for years.

Live tax calculations

Stage 3 brackets, Medicare Levy with shade-in, and the two-taper LITO — all applied the moment you enter gross income.

Offset vs. no offset

A clear before/after of the same loan, showing what disciplined deposits into your offset account actually achieve.

Year-by-year balance

A 30-year projection of your loan balance under both scenarios, so you can see exactly when you break the back of the loan.

Household cash flow

Fifty-plus expense categories organised by group, showing annual totals and real surplus — not a wishlist number.

Private to your device

Your inputs save locally in your browser. Nothing is sent to a server. Only you see the data you enter.

Revisit anytime

Save multiple scenarios — "current plan", "aggressive paydown", "after kids leave home" — and swap between them.

The number that matters

How much of your life is the bank keeping?

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.

  • Works for Principal & Interest or Interest-Only loans
  • Models couples, singles, and multiple investment properties
  • Accounts for property appreciation & credit potential over time
Sample output Interest saved
$245,893
Over the life of the loan
22.8 yrs
Paid off sooner
$2,948
Monthly offset
"

A considered mortgage strategy can shave decades off a home loan and reshape a family's financial life.

— The thinking behind MTracka

Ready to see your numbers?

Takes about 10 minutes. No signup. Your data stays on your device.

Launch MTracka