Thanks for sharing! We are working on some improvements here over the coming weeks - Iād love to pick up with you after weāve shipped them to see if they fix things for you. Do you make overpayments in addition to your contractual monthly payment, by any chance?
PS: Weāve been quiet, but weāre working away on a few new things! Weāll be back with a proper update 
The best PS.
I make overpayments to my mortgage currently as well, if youād like any further feedback on that specific circumstance. 
I also make regular overpayments. Excited to see what youāve come up with
Ditto
Good to hear! I have done previously (& consistently) although the last was December 2022. Previously the info seemed to be correct even with the overpayments.
Happy to offer any additional feedback once the improvements are shipped 
I like the latest improvements here showing which payments were used for the calculation and when the next update from the lender will be.
Ditto, this makes it much clearer.
Agree that it is helpful to know when the next update will be, but the following doesnāt change and therefore it isnāt clear when the 5 weeks is from (as I canāt see the actual date it was last updated which could be used as a guide):
Well, we can always rely on the Community to beat us to an announcement (youāve done my job for me Michael!)ā¦
Drum rollā¦ from today weāll start rolling out an updated version of āSee your mortgage in Monzoā to all Monzo customers! Folks who connected via Labs should get a sneak preview! 
So whatās changed since we first launched to Labs?
Some smaller improvements
Whatās coming up?
As ever, we love it when you give us feedback!
We may need to iron out the new features over the next few days - drop us a message in this thread or via the in-app feedback form if thereās anything not working quite right!
Keep telling us what you want to see next, we take everything on board!
Now that weāve done the announcement, letās get fixing! Was it that the numeric keypad didnāt appear or something else?
You should be able to edit interest rate from the home screen - let me know if that issue still happens? 
Weād expect you to find yourself on at least app version 5.19.0 for Android or 5.18.0 for iOS
This is fantastic - thank you for the update. This is going to be HUGELY helpful for a lot of people Iām sure.
Amazing update. To have my interest saving and term reduction quantified by my overpayments in-app is fantastic.
Would also love to be able to calculate impact of one-off repayments / lump sums.
Love the direction this is going!
The insights feature is really cool!
Iāve found it incredibly beneficial to know that by making a small overpayment each month, how much I will save an interest and sooner the mortgage will be paid off.
Of course this is common sense that overpayments are beneficial but to have it quantified without me having to do anything other than know the minimum I could overpay to make an impact is amazing!
@HB great step forward! Two things that would be helpful to me would be a chart showing historic balance and future forecast 
and the month/year that the mortgage is forecast to be repaid. Itās great to know how long there is to go, but I find myself having to mentally work out the actual month and yearā¦
Hey @caribo! Thanks - weāre keen to keep up the shipping momentum!
We (in particular @Yulia from a design perspective) are doing a bit of thinking about how to represent future progress, such as making it clear the difference an overpayment would make. Yulia - forgive my red pen mock up!
Out of interest - is the specific end date important to you (e.g. retirement planning, other plans) or just nice to put it in context? A bit of a generalisation but weāve seen in interviews that an end date super far out isnāt particularly helpful for some folks because:
)Spoiler - @richycran you might notice from the screen above that weāre going to be launching a new journey to calculate the impact of both regular and lump sum overpayments for some customers very soon
The end date is useful to me as I am thinking about retirement within the next 4 years and I have two mortgages which should hopefully both be paid off before that date ā¦
I can understand your rationale for not showing the actual date for the reasons you mention, but at the other end of the mortgage life, the actual date becomes more relevantā¦
On the historic data front - weāre certainly thinking about this type of thing in our plans over the coming months, as we want to celebrate both past progress and future behaviours!
A couple of challenges due to data we get from credit bureaux:
Yeah, some pretty interesting challenges you have there! Especially with remortgages where the amount borrowed may go up or downā¦
My circumstances are pretty simple as I will not be remortgaging as both of my mortgages are fixed and overpayments shuld (if I have calculated correctly) pay them off just as the fix finishesā¦ Thatās why seeing the forecasted date of completion is useful to meā¦
A quick thought from me: would it be useful to let us flag the type of mortgage (repayment vs interest only and/or offset)?
I think the current set up is for non-offset repayment mortgages, which are the vast majority of mortgages so thatās cool, but misses some of the other types that are out there.
