Overpaying feels obviously right and sometimes is not — early repayment charges, a low fixed rate, or an empty emergency fund can all make it the wrong call. So the sums come first, and only then the standing overpayment.
Free on any plan. You will see this list again in the app, and nothing is created until you press install.
Either outcome is fine. Drifting is not.
Overpaying is not always the best use of the money.
Standing, and in the form I chose rather than the default.
A rate below what savings earn, an early repayment charge, or no emergency fund — any of the three and the money is better elsewhere.\n\nMost fixed deals allow a percentage of the balance each year and charge above it. Exceeding that quietly undoes the saving you were making.
Every balance written down once, an order to clear them in, and a payment that does not move.
Understand the terms before overpaying, then decide whether clearing it early is even right.
Check the report, correct what is wrong, and then wait — because most of it is time.
A real target based on where you are actually buying, and a transfer that gets there.
It takes one press. Everything it creates is tagged, so if it turns out not to suit you, it is easy to find and remove together.
Install this template