Calculator
Mortgage payoff calculator
See how extra principal payments shift your mortgage payoff date and total interest — helpful when weighing early payoff against other financial goals.
Rule of thumb
Mortgage payoff calculator
Show what extra principal can do and what it costs in cash flow. This illustrates principal and interest only; escrow, fees, and prepayment rules can change the math.
Use this when choosing between extra mortgage payments, investing, debt payoff, or more cash savings.
Estimated payoff time 0 months
Total interest $0
Total paid $0
Extra principal reduces your balance faster and saves the most interest early in the loan, when each payment is mostly interest.