---
title: "US Mortgage Payoff Calculators and Guides | Owned Outright"
description: "US mortgage calculators: extra payments, principal vs interest, PMI removal, recast and refinance break-even, plus guides backed by official sources."
url: https://ownedoutright.com/us/
---

United States # US mortgage calculators Built around how US fixed-rate mortgages actually work: monthly interest, level payments, and extra principal credited after your regular payment.

## Calculators [### Extra payment calculator Add monthly, yearly or lump-sum extras to the loan you have today and see your new payoff date.](https://ownedoutright.com/us/extra-payment-calculator/) · [### 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.](https://ownedoutright.com/us/amortization-schedule-calculator/) · [### Principal vs interest crossover Find the month your payment becomes mostly principal, and how much interest you've paid by then.](https://ownedoutright.com/us/principal-vs-interest-calculator/) · [### Pay extra or invest? Compare prepaying your mortgage with investing the same money, after tax, and see the break-even return.](https://ownedoutright.com/us/pay-extra-vs-invest-calculator/) · [### PMI removal date When you can ask to drop mortgage insurance, when it ends automatically, and how extra payments speed it up.](https://ownedoutright.com/us/pmi-removal-calculator/) · [### Mortgage recast Your new monthly payment after a lump sum and recast, compared with simply prepaying.](https://ownedoutright.com/us/mortgage-recast-calculator/) · [### Refinance break-even How many months until a refinance pays for its closing costs, counting interest and balances.](https://ownedoutright.com/us/refinance-break-even-calculator/) · [### Biweekly payments How much sooner you finish paying half every two weeks, program fees included.](https://ownedoutright.com/us/biweekly-mortgage-calculator/) · [### ARM calculator Your adjustable-rate payment after the fixed period, the most it can reach under your caps, and ARM vs fixed.](https://ownedoutright.com/us/arm-calculator/) · [### 15 vs 30 year mortgage Payment and total interest side by side, plus a 30-year loan paid like a 15-year.](https://ownedoutright.com/us/15-vs-30-year-mortgage-calculator/)

## Guides

When the rules let you act, what each choice costs, and the order to do things in.

[### 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.](https://ownedoutright.com/us/guides/how-to-get-rid-of-pmi/) · [### 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.](https://ownedoutright.com/us/guides/how-to-remove-fha-mortgage-insurance/) · [### 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.](https://ownedoutright.com/us/guides/should-i-refinance/) · [### Mortgage recast vs refinance One lowers your payment for a small fee, the other replaces your loan. A worked comparison, including just prepaying.](https://ownedoutright.com/us/guides/mortgage-recast-vs-refinance/) · [### 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.](https://ownedoutright.com/us/guides/should-i-pay-off-my-mortgage-early/) · [### 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.](https://ownedoutright.com/us/guides/pay-off-mortgage-before-retirement/) · [### 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.](https://ownedoutright.com/us/guides/how-to-make-extra-mortgage-payments/)

[All guides →](https://ownedoutright.com/us/guides/)

## Research

Original data studies, free to cite.

[### When does a mortgage become mostly principal? The crossover point for a 30-year loan taken out in every year since 1971, and 15-year loans since 1991, from Freddie Mac rate data. Free to cite, with a CSV download.](https://ownedoutright.com/us/research/mortgage-crossover-study/)

Source: https://ownedoutright.com/us/