How soon could you be mortgage-free?

Even a small extra payment each month can help you pay off your loan sooner. Plug in your numbers to see how much time and interest you could save.

Plan your next chapter

Mortgage payoff calculator

See how a little extra each month could help you pay off your mortgage sooner.

Your mortgage

Current loan balance ($)

Annual interest rate (%)

Use your mortgage interest rate, not APR.

Current monthly payment ($)

Principal and interest only. Exclude property taxes, insurance, and HOA fees.

Extra monthly principal ($)

Added to every payment, starting with your next payment. Enter 0 to compare without extra payments.

Your payoff outlook

Adjust the example amounts to match your mortgage, then calculate your payoff.

Estimated interest saved

Paid off sooner by

Compare your payment plans
From today	Current plan	With extra
Monthly payment
Time to payoff
Remaining interest
Total remaining payments

View monthly schedule with extra payments

Payments from your next payment onward
Month	Payment	Principal	Interest	Balance

Estimates assume a fixed interest rate, monthly interest at the annual rate divided by 12, and payments one month from now. Interest is rounded to the nearest cent each month; the final payment is reduced to the amount owed. Excludes taxes, insurance, fees, and prepayment penalties. Actual lender calculations and payment timing may differ. Confirm that your lender applies extra payments to principal. This is an estimate, not a payoff quote.