For people paying off a home together

One mortgage.
One shared goal.

Fledged gives you both one clear view of the road ahead: your mortgage, your overpayment plan and the progress you are making together. The calculator is there when you need to test the numbers.

Join early access Try the calculator

Planning information, not financial advice. All figures are illustrative.

FledgedShared plan

Your projected mortgage-free date

Aug 2042

6 years 4 months sooner with your plan

Interest saved£38,420

Next LTV£6,240

Household plan£300/mo

Progress58%

Alex + Sam’s planOne goal. Shared progress.

See the change

Every overpayment has a story.

6y 4mearlier mortgage-free date

£38,420projected interest saved

£300combined monthly overpayment

Illustrative household example. Your mortgage rate, lender terms and payment timing affect actual results.

How it works

A shared plan you can stick to.

Start with the mortgage you share. Agree an amount. Keep a record of the progress you are making together.

01 / SHARE

Set up one mortgage

Add your balance, rate and remaining term once, then invite the person you are paying it off with.

02 / AGREE

Choose a plan together

Try a monthly overpayment and see what it could mean for your term, interest and LTV.

03 / PROGRESS

Keep the goal in view

Log overpayments, celebrate milestones and see the mortgage-free date move closer together.

The numbers that matter

Know what an extra payment changes.

Mortgage decisions are easier when the numbers answer the question in front of you.

See your mortgage at a glance

Balance, rate, term and fixed-deal date in one place.

Test an overpayment

See the estimated time and interest it could save before you make it.

Watch your LTV

Keep an eye on the next equity milestone as your balance falls.

Compare a few options

Try different monthly amounts and weigh them up in pounds and months.

Notice the milestones

Small payments feel more useful when you can see where they are taking you.

Change the plan when life does

Update your details and record manual overpayments whenever you need to.

Built around the household

Built for the bit you do together.

A mortgage is often a joint commitment, even when the payments are not equal. Fledged gives everyone the same view of the road ahead — without needing to chase updates or compare separate spreadsheets.

✓A mortgage plan you can both see
✓One total, with optional individual contributions
✓Clear invitations and ownership

Household plan

£300/month

An amount you agreed together

Potential term reduction6 years, 4 months

Projected interest saved£38,420

Next LTV bracket£6,240 away

Mortgage overpayment calculator

See what an extra monthly payment could change.

Enter a few details from your repayment mortgage. We’ll estimate how a regular monthly overpayment could affect the length of your mortgage and the interest you pay.

This calculator uses a standard monthly repayment model. It does not account for lender-specific daily interest, fees, rate changes, overpayment limits or early repayment charges.

MORTGAGE BALANCEINTEREST RATE (%)REMAINING TERM (YEARS)EXTRA EACH MONTH (£)

—potentially sooner

—estimated interest saved

—new monthly payment

Illustrative estimate based on the details above.

Fledged is not FCA regulated and does not provide financial advice. These are illustrative projections, not personal mortgage recommendations. How Fledged calculations work

Join early access for your full plan

Mortgage guides

A little more context for the decisions ahead.

Plain-English explainers for the questions that come up alongside an overpayment plan.

Shared mortgage

Making a shared mortgage plan work

Agree a goal, choose a contribution style and keep the conversation positive when life changes.

Read the guide →

Remortgaging

When to start preparing for remortgaging

A practical six-month checklist, from your deal end date to fees, LTV and lender conversations.

Read the guide →

Browse all mortgage guides

Plans

Choose the support that fits your plan.

Start with everything you need to understand and track your mortgage. Upgrade when you want deeper planning support.

Included with Fledged	Free	Premium
Add and update your mortgage details	✓	✓
See your mortgage-free date and LTV	✓	✓
Set a monthly overpayment plan	✓	✓
Track manual overpayments, time saved and estimated interest saved	✓	✓
See six months of overpayments, your current streak and monthly reminders	✓	✓
Work towards LTV milestones and earn progress badges	✓	✓
Set up a shared household plan and invite a partner	✓	✓
Get fixed-deal date reminders	✓	✓
Manage notifications, privacy and account settings	✓	✓
Ask Fledge Coach for personalised mortgage guidance	—	✓
Unlock 12-month trends and compare your recorded plan with what you’ve actually paid	—	✓
See your monthly average and consistency, and what your current pace could mean for your mortgage-free date	—	✓
Get tailored next steps from Fledge Coach	—	✓
Plan your LTV at the end of your fixed deal	—	✓
Save, compare and activate alternative mortgage plans	—	✓
One Premium subscription covers both members of a shared Fledged household	—	✓

All projections are illustrative and based on the mortgage details you provide. Fledged provides general guidance, not regulated financial advice.

Trust and control

The limits are clear.

Fledged provides factual information and illustrative projections using the details you enter. It does not make personal mortgage recommendations or replace advice from your lender or a regulated mortgage adviser.

Planning, not advice

Fledged is not FCA regulated and does not provide financial advice. Check any projection against your lender’s terms, rate and overpayment rules before you act.

Details you can correct

Change your balance, rate, property value and assumptions as they change.

Control after joining

Delete your account yourself, and see how Fledged uses your information in the Privacy Policy.

Questions worth asking

Before you begin.

How does this mortgage overpayment calculator work?

It uses a standard monthly repayment model to estimate how a regular monthly overpayment could reduce your mortgage term and total interest. It is an illustration, not a lender quote.

Are the projections exact?

No. They are illustrative estimates based on the information you provide and a standard monthly repayment model. Mortgage interest can be calculated differently by lenders, and rates, fees and payment timing can change the outcome.

Do I need to connect my bank or lender?

No. Fledged is designed to be useful with manual setup and manual overpayment logging. You can enter and correct the details that matter to your plan.

Can we use Fledged for a joint mortgage?

Yes. Fledged is being built around one shared household plan, with combined progress and optional individual contributions.

Can I make overpayments without an early repayment charge?

It depends on your mortgage. Your lender sets overpayment limits and any early repayment charges. Check your mortgage offer or ask your lender before making an overpayment.

How will Premium work?

Before Premium launches, Fledged will state exactly what it unlocks, whether it covers both household members, the trial length, renewal price and how to cancel.

A clearer way forward

Your next mortgage decision can feel like yours.

Join the early-access list to hear when Fledged opens more places.

Join early access

One mortgage.One shared goal.