Mortgage Payoff Calculator

Compare a fixed-rate mortgage schedule with and without an extra monthly principal payment.

Current mortgage balance

Annual rate (%)

Months remaining

Extra principal / month

—Scheduled payment

—Estimated payoff with extra

—Months saved

—Estimated interest saved

Planning estimate only. Results depend on the values and assumptions you enter and are not financial, tax, legal, or lending advice.

How to use this Mortgage Payoff Calculator

Estimate how extra monthly principal can change mortgage payoff time and interest. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.