Upload your statements or enter data manually. We'll do the rest.
Drop your statements here
or click to browse. CSV, XLSX, PDF, TXT, MD, PNG, JPG accepted — bulk batches welcome.
Free to use: up to 250 statements during beta. Donate to keep it running.
Your statements stay on this device
Files are parsed entirely in your browser. Nothing is uploaded, stored, or sent to a server — closing this tab erases everything. How we handle your data
The check only needs dates, descriptions, amounts and running balances. Everything else can be redacted first:
CSV or Excel: delete the columns you don't want us to read. PDF or paper: black out the details with an editor or marker before scanning.
Not ready for real statements? The runs the full check on a fictional loan.
The amount still owing at the start of the period — not the original loan amount.
Declared by you. If your loan statement prints a rate table (usually "Interest Rates (per annum) on Debit Balances"), it is read automatically and used instead.
The offset account balance on the day before the statement period. Read from the statement's balance column automatically when available.
The offset benefit your bank actually applied for the period. Without it we can recalculate your expected benefit but cannot audit the bank's figure.
The statement period is detected automatically from your uploaded transactions; set it explicitly for the most accurate result — quiet days at the start or end of a period still earn offset benefit.
Expected Offset
$0.00
What you should have received
Actual Offset Applied
$0.00
What the lender gave you
Difference
$0.00
Expected minus credited offset
Discrepancy %
0.00%
Of expected offset amount
Total mortgage payments
$0.00
0 payments detected
Total interest charged
$0.00
0 charges detected
Total offset benefit
$0.00
Recalculated from daily balances
Offset vs interest
$0.00
Interest still paid after offset
How much of your interest the offset covered
Analysis complete
Your offset calculations look correct.
Likely cause: offset account not linked, or linked incorrectly
The bank's figures in amber and orange; the verified offset benefit in green.
| Date | Description | Account | Amount | Category |
|---|
| Date | Offset Balance | Daily Interest Saved | Cumulative | Status |
|---|
Disclaimer: All figures shown in this dashboard are recalculations based on the data you provided and standard daily-balance interest assumptions. OffsetCheck does not guarantee the accuracy of these calculations, and results may differ from your lender's figures due to rounding, rate changes, fees, or incomplete statement data. Review all calculations for accuracy against your loan statements and loan contract before relying on them.