Beat Your Mortgage With Math

People lose hundreds of thousands to debt

Offset uses strategic investments to eliminate your mortgage years ahead of schedule

How Offset Works

Enter Your Mortgage Details

Add your mortgage amount, rate, and remaining term for Offset to model a personalized payoff timeline.

Choose a Monthly Offset Contribution

Your contribution is invested through diversified, risk-aware strategies to outpace your mortgage interest over time.

The Offset Point

Watch your investments grow and find the Offset Point: the moment your portfolio can fully wipe out your entire mortgage.

Try the Calculator

Built by founders from

Solutions We Focus On

Two focused strategies to reduce debt faster while improving monthly cash flow.

Mortgages

Optimize home loans with investment-aware strategies and faster debt payoff.

  • Custom payoff model based on your loan and income profile
  • Monthly strategy updates as rates and markets change
  • Clear timeline to principal reduction and interest saved
Projected Savings $16,531
Estimated Time Saved 6.2 years
See mortgage strategy →

Student Loans

Reduce repayment timelines without overpaying and keep more cash flow monthly.

  • Repayment sequencing across federal and private balances
  • Lower interest drag with smarter extra-payment timing
  • Built-in guardrails to preserve emergency cash
Balance Trend -27%
Monthly Cash Flow Lift +$420
See loan strategy →