Keeping the bankers honest.
Offsetcheck independently re-calculates the interest charged on your home loan and the benefit credited by your offset account — line by line, to the cent — so you know you're getting everything you're owed.
Independent. No bank partnerships, no commissions. The answer is the same whoever asks.
Banks calculate offset benefits inside systems you can't see. Errors are rare, small — and almost never checked. Offsetcheck is the check.
Upload your statements or enter your loan terms. Read-only, encrypted, never shared. We don't touch your money — only your numbers.
Every day of interest, every offset credit, re-computed from your actual rate, balance and offset activity. The same rules the bank uses — applied independently.
Verified, Review, or Overcharge — with the working shown, line by line. If you're owed money, you get the exact figure and the evidence to claim it.
This is what a check looks like. Two figures, laid side by side — and the difference, to the cent.
Illustrative figures. Your check uses your statements, your rate, your balances.
Offsetcheck is launching soon. Join the waitlist and be first to find out — to the cent — whether your bank's maths holds up.