Working out what I'll owe on my mortgage

strawb_shortcake

I'm hoping someone can help me try and work out what I'll owe on my mortgage when I come to remortgage. None of the calculators really offer what we are trying to do.
21 years 5 months left on my mortgage, 3 years 5 months on my current deal at 1.79%
Yesterday I owed £96,925 today I paid of 10% £9874 (start of year balance)
We plan to pay a further 10% in January 20, January 21 and January 22.
We have chosen to reduce the term rather than the monthly repayments so we have knocked 31 months off today and keep monthly payments of £451.36.

How do I work out what I'll owe? My brain does not like Maths!!

Thank you!!

getmore4less

http://www.whatsthecost.com/mortgage.aspx

Does what you want

Set to interest only and put in your actual payment.

You will need to iterate at each lump sum overpayment.

strawb_shortcake

thank you, if my calculations are correct then I think we'll make a total of £31740 in overpayments and be left with an outstanding balance of just under £47000 which is better than my rough calculations.
We can then wait to see how Brexit plays out and decide if we're better continuing with a mortgage and savings or no mortgage and minimal savings but be in a position to save more.