See how extra payments can help you pay off your mortgage early and save on interest. Enter your loan details and add a monthly prepayment and/or a one-time lump sum to compare the original schedule vs. your accelerated plan.

How to Use the Mortgage Payoff Calculator

Enter your current balance, rate, and original term. Add an extra monthly payment and/or a one-time lump sum. The tool estimates your new payoff time, months saved, and interest savings. It also includes optional property tax, insurance, and HOA to show an all-in monthly estimate.

Tip: Even a modest extra payment (for example, $100 per month) can shave years off a 30-year mortgage and save tens of thousands in interest.

Disclaimer: This tool provides estimates for educational purposes and is not financial, tax, or legal advice. Confirm terms and prepayment policies with your lender.