Log an overpayment, watch the date move
Every payment you record redraws the projection. Put an extra £100 against the balance and the mortgage-free date shifts — you see the years come off as you type, not in a report next month.
Mortgage overpayment tracker
Know the day you stop paying.
Mortgage Meadow shows you the date you become mortgage-free — then shows it moving every time you pay a little more. No bank connection, no adverts, and figures only you can read.
Free to see where you stand. No card needed to start.
£0to see where your mortgage stands
0bank connections, now or ever
2owners, one shared mortgage-free date
Move the date yourself
A worked example on a £240,000 mortgage over 25 years at 4.6%. Drag the overpayment — the date is recalculated by the same engine that runs inside the app.
Adjust the monthly overpayment to see the projected mortgage-free date, months saved and interest saved update.
Mortgage-freeNovember 2044was January 2049
Sooner by4y 2moff the term
Interest saved£31,380over the life of the loan
An illustration on the figures above — not a projection for your mortgage. Interest is applied monthly here while many lenders calculate it daily, and fees are excluded. Your lender’s figures are the authoritative ones.
The mortgage
Watch the balance come down
Try it before you spend it
The what-if calculator runs a regular overpayment against your actual balance and rate, and shows the years and the interest it would save. Nothing is committed until you say so.
Know the penalty before you overpay
Fixed-rate deals often charge an early repayment charge above a yearly allowance. Mortgage Meadow tracks yours from the bands in your offer, so you know whether you are free to overpay and when the charge lifts.
The month
Find the money without a spreadsheet
Budget the month, find the overpayment
Set what you plan to spend on groceries, energy and the council tax, then log expenses as they go out. A separate free-to-spend figure holds back the bills that have not landed yet, so the app never tells you there is money spare when it is already promised.
Put an underspent month on the mortgage
When a month ends under budget, Mortgage Meadow offers the difference as an overpayment. One tap turns a quiet month into a shorter mortgage — and it only ever offers a month that has actually finished.
The two of you
One mortgage, two people
Two owners, one shared date
Split the mortgage by share and each of you sees your own progress beside the date you both reach. It is the two of you against the bank, never one of you against the other.
Who paid, and who owes whom
Mark each expense shared or personal and log who actually paid. At the end of the month the app works out the single figure that settles it, without a spreadsheet.
The home
What you each brought to it
What each of you brought
Moving in together means two homes becoming one. List what each of you brought by room and by owner — useful when you merge, and again when the contents insurance renews.
Your figures
Encrypted on your device, with a key we don’t hold
Your balance, your payments, your budget and your inventory are encrypted before they leave your phone or browser. We store the result and cannot read it — there is no support override, because a way in for us is a way in for anyone who compromises us.
There is no bank connection anywhere in the product. Mortgage Meadow never asks for banking credentials and imports nothing from your accounts. It also never pays anything on your behalf: the balance moves when you say it moved.
Questions
Before you start
Does Mortgage Meadow connect to my bank?
No. Mortgage Meadow has no bank connection and is not an Open Banking provider. It never asks for banking credentials and imports nothing from your accounts — every figure in it is one you typed in yourself.
Can anyone at Mortgage Meadow see my mortgage balance?
No. Mortgage Meadow encrypts your figures on your own device before they are backed up, using a key derived from a passphrase that never leaves the device. Mortgage Meadow stores the encrypted result and holds no key, so the balance, the payments, the budget and the inventory cannot be read by Mortgage Meadow or by anyone who obtained a copy of the database.
What happens if I forget my passphrase?
You use the recovery code issued when backup was switched on, which unlocks the same data independently. If both the passphrase and the recovery code are lost, the backup cannot be opened — it cannot be reset by support, because a way in for support would be a way in for anyone. Exporting your payments to CSV now and then is the safeguard.
Does Mortgage Meadow pay my mortgage for me?
No. Mortgage Meadow never moves money and never makes a payment on your behalf. It is a record and a projection: if a month passes with nothing logged against it, the balance goes up and the app says so rather than assuming the payment was made.
Is Mortgage Meadow financial advice?
No. Mortgage Meadow is a calculator and a record, not an adviser. Mortgage Meadow is not authorised or regulated by the Financial Conduct Authority, names no lenders or mortgage products, and makes no recommendation about whether to overpay, remortgage or switch. For a personal recommendation, speak to a mortgage adviser on the FCA's Financial Services Register.
Will the figures match my lender exactly?
Not to the penny. Mortgage Meadow applies interest monthly while many lenders calculate it daily, and it excludes fees unless you enter them. Your lender's statements are the authoritative record of your mortgage; where the two differ, the lender is right.
What does Mortgage Meadow cost?
Mortgage Meadow is free to see where your mortgage stands — the balance, the mortgage-free date, the interest still to pay and what leaving early would cost. Pro adds payment logging, the household budget, the what-if calculator and export, at £3.99/mo or £39/yr, with a one-time option at £69 one-time.
Can two people share one mortgage in the app?
Yes. Mortgage Meadow is built for two owners: the mortgage is split by share, each owner sees their own progress alongside the shared mortgage-free date, and every payment and expense records who entered it and who it belongs to.
Is there an Android or iPhone app?
Mortgage Meadow runs in any browser and as a mobile app, and the same account carries your figures between them. Because the backup is end-to-end encrypted, moving to a new device needs your passphrase or your recovery code.
Find out when you’re mortgage-free
Free to see where you stand. Pro from £3.99/mo, or £39/yr.