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PLAN YOUR NEXT MOVE
Early Mortgage Payoff Calculator
Explore practical ways to pay down your mortgage sooner. Start with your current balance and regular principal-and-interest payment, then compare the time and interest saved.
Make the numbers yours.
Replace the examples with your own figures. Estimates update when you select Calculate.
Your estimate
Planning estimate only. Not a loan offer, approval, appraisal or settlement statement. Review your figures with the appropriate lender or closing professional.
UNDERSTAND YOUR RESULTS
How this calculator works
The baseline uses your current balance and regular payment. Strategies are additive. The biweekly option approximates 13 annual payments by spreading one extra payment over 12 months; it does not model a lender’s exact biweekly posting schedule. Annual and one-time extras are applied in their selected calendar month.
Learn more: CFPB Loan Estimate guide
Which monthly payment should I enter?
Enter principal and interest only, excluding escrow, insurance and HOA dues. Your current balance replaces the need to reconstruct past payments.
Will my lender apply extra money to principal?
Confirm payment instructions and any prepayment penalty with your servicer. Actual posting dates and daily-interest methods may change savings.