See exactly when your mortgage ends
Free amortization and early-payoff calculators that run in your browser — with irregular extras, recast scenarios, and schedules you can print, export, and verify to the cent.
Live sample · $340,000 @ 6.5%
Add an extra payment in any calculator and watch the payoff date move.
Every calculator, one engine
All calculators share a single month-by-month simulation, so numbers reconcile across pages. No averages, no estimates — the same math your servicer runs.
Amortization Calculator
See every payment, split into principal and interest, from first payment to payoff.
Mortgage Amortization
Full mortgage schedule from the loan amount — principal, interest, and balance every month.
Mortgage Payoff
The flagship: extra monthly payments plus yearly lump sums, with your new payoff date and interest saved.
Loan Amortization
Amortization schedule for any installment loan — auto, RV, boat, personal.
Amortization Schedule
Built for the table: print the full schedule or export it to CSV.
Recast Calculator
The three-way comparison: lump only, recast to lower payment, or recast and keep paying.
Early Payoff Goal
Reverse the question: pick your payoff year, get the required extra payment.
Extra Payment Compare
The $50–$1,000 ladder: what each level of monthly extra actually saves on your loan.
Extra Payment (Mortgage)
Extra principal on your existing mortgage: the autopay math, escrow excluded.
P&I + Extra from Day One
Shopping for a loan? See the standard payment and the day-one effect of building in an extra.
How it works
Enter your real numbers
Balance, rate, and remaining term from your latest statement — not the loan you signed years ago.
Add your actual plan
Monthly extras, yearly lump sums from tax refunds, recast scenarios — the irregular shape real prepayment takes.
Get a schedule you can audit
Month-by-month table, payoff date, interest saved. Print it, export CSV, or copy a shareable link.
Guides that show the math
Not listicles — worked examples with the numbers visible, built from the same engine.