Mortgage payoff calculators
Find the date your home is owned outright. Then move it closer.
Honest calculators for people already paying a mortgage. Start from today's balance, try extra payments, and see exactly what changes. No sign-up, and nothing you type is sent to a server.
Try the extra payment calculator
In the UK? Use the UK mortgage overpayment calculator, built for fixed deals, the 10% allowance and early repayment charges. In Deutschland? Zum Tilgungsrechner mit Restschuld und Sondertilgung.
US mortgage calculators
Extra payment calculator
Add monthly, yearly or lump-sum extras to the loan you have today and see your new payoff date.
Amortization schedule
See every payment with its date, the principal and interest split, and where your loan stands today. Print it or download a CSV.
Mortgage payoff date
Enter your balance, rate and payment to see the month your mortgage is paid off and the interest left to pay.
Principal vs interest crossover
Find the month your payment becomes mostly principal, and how much interest you've paid by then.
Pay extra or invest?
Compare prepaying your mortgage with investing the same money, after tax, and see the break-even return.
PMI removal date
When you can ask to drop mortgage insurance, when it ends automatically, and how extra payments speed it up.
Mortgage recast
Your new monthly payment after a lump sum and recast, compared with simply prepaying.
Refinance break-even
How many months until a refinance pays for its closing costs, counting interest and balances.
Biweekly payments
How much sooner you finish paying half every two weeks, program fees included.
ARM calculator
Your adjustable-rate payment after the fixed period, the most it can reach under your caps, and ARM vs fixed.
15 vs 30 year mortgage
Payment and total interest side by side, plus a 30-year loan paid like a 15-year.
Guides
The decisions around the numbers, with worked examples and official sources.
How to get rid of PMI
The 80% and 78% rules, how a new appraisal can end PMI sooner, FHA's different rules, and the letter to send.
How to remove FHA mortgage insurance
When MIP ends on its own (11 years or never), why extra payments don't end it, and the refinance that does.
Should you refinance your mortgage?
The break-even math, the rate drop you need, how long you'll stay, and the traps: a fresh 30 years and cash-out.
Mortgage recast vs refinance
One lowers your payment for a small fee, the other replaces your loan. A worked comparison, including just prepaying.
Should you pay off your mortgage early?
The order to do things in, the return that investing has to beat, and when paying down the loan wins.
Pay off your mortgage before retirement
The monthly extra it takes to be mortgage-free when you retire, the 401(k) and IRA tax traps, RMDs and other options.
How to make extra principal payments
Make sure extra money cuts your principal, not your next bill, check your statement, and why paying early saves more.