🏠 Mortgage Payoff Calculator

See your monthly payment and how extra principal payments accelerate your existing mortgage payoff

Loan Details

$
Please enter a valid loan balance.
yrs
Please enter a remaining term between 1 and 30 years.

Years left on the loan, not the original term.

%
Please enter a valid interest rate (0.01–30%).

Extra principal shortens your term and cuts total interest. Your fixed monthly P&I stays the same — the loan just pays off sooner.

$
Please enter a valid amount (0 if none).
$
Mo
Please enter a valid lump sum (0 if none).

Applied at the given payment number (e.g. 12 = end of year 1).

Property Costs

$
Please enter annual property taxes.
$
Please enter annual homeowners insurance.
$
Please enter monthly HOA fees (0 if none).

Payment Estimate

Total Monthly Payment
$0
/ month
Principal & Interest
$0
Property Tax
$0
Homeowners Insurance
$0
HOA Fees
$0

Considering a lump sum?

A recast re-amortizes your balance so the monthly payment drops but the payoff date holds. See how that compares to your original mortgage — and to simply prepaying the same amount.

♻️ Mortgage Recast Analyzer →

Your loan details carry over automatically.