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Mortgage Payoff Calculator

Compare regular payments with extra monthly or lump-sum payments to estimate payoff time and interest saved.

$
% APR
years
$
$
Mortgage paid off in
20 years
with $200.00 extra each month
Remaining balance
$0.00$50,000.00$100,000.00$150,000.00$200,000.00$250,000.00$300,000.00Y0Y4Y8Y12Y16Y20
With extra payments
Regular monthly payment$1,890.58
Payment with extra$2,090.58
Interest with regular payments$287,173.99
Interest with extra payments$220,280.08
Interest saved$66,893.91
Time saved5 years
Estimated payoff dateOctober 12, 2046

Assumes a fixed rate and monthly payments applied at month end. Taxes, insurance, fees, and lender-specific rules are excluded.

About the Mortgage Payoff Calculator

Compare regular payments with extra monthly or lump-sum payments to estimate payoff time and interest saved.

It runs entirely in your browser — nothing you type is sent to a server — and the result updates as you edit the inputs. Estimates are for educational and informational purposes only; see ourdisclaimer.

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