Extra payment & payoff calculator.
Enter your own balance, rate and remaining term to see the effect of paying a little more each month. Nothing you type leaves this browser.
Estimated payoff impact
6 years 9 months sooner
What this estimate is — and isn't
Educational estimate only—not a lender quote, preapproval, appraisal, or financial, tax, or legal advice. Always compare any figure here against the official Loan Estimate your lender provides; that document, not this page, governs your actual numbers.
This simulation assumes a fixed rate, on-time payments, no fees, and that every extra dollar is applied to principal. Some loans have prepayment terms or apply extra funds differently — confirm with your servicer before changing what you pay.
Your entries stay in this browser and are not submitted or saved.
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