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Mortgage Loan Early Payoff Estimator

See how extra monthly payments and lump-sum contributions could help you pay off your mortgage sooner and reduce total interest paid. This is a simplified estimate, not financial advice or an official payoff quote.

Approximate remaining principal on your mortgage.
Years left on the loan from today.
Additional amount you plan to add to every monthly payment.
Extra payment you can apply immediately toward principal.
Comparison: standard vs. extra payments

Enter your current balance, rate, remaining term, and any extra payments you’re considering. Then tap Estimate Early Payoff to compare timelines and interest.

This calculator assumes a fixed-rate loan with level monthly payments and applies extra payments directly to principal. For exact payoff numbers, request an official amortization schedule from your lender.
What this estimator shows
  • Your current standard monthly payment (principal & interest only).
  • How long it would take to pay off the loan with no extra payments.
  • How early you could pay it off with your extra monthly and/or lump-sum plan.
  • How much total interest you might save over the remaining life of the loan.

Consider your full financial picture (emergency fund, other debts, retirement, taxes) before committing to a more aggressive payoff strategy.

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