Find out how much faster you can pay off your mortgage with extra payments.
Input the current outstanding balance on your mortgage loan.
Enter the annual interest rate (APR) on your mortgage.
Pick whether you want to calculate by monthly payment amount or by a target payoff timeframe.
Enter any extra amount you can put toward principal each month to see how much time and interest you save.
Extra payments go directly toward reducing your principal balance. A lower balance means less interest accrues each month, so more of each future payment goes to principal, creating a compounding payoff acceleration.
The most effective approach is adding a fixed extra amount to your principal each month. Even a small extra payment, such as $100–$200 per month, can save tens of thousands of dollars in interest and shave years off your loan.
No. This calculator focuses on principal and interest only. Your actual monthly payment may be higher if it includes property taxes, homeowner's insurance, or PMI through an escrow account.
Yes. The calculator works for any fixed-rate mortgage or home loan. For adjustable-rate mortgages, use the current rate and note that your results will be an estimate based on that rate remaining constant.
Even small amounts make a significant difference. Try entering $50, $100, or $200 as extra payments to see the impact. The calculator will show you exactly how many months earlier you will be mortgage-free and how much interest you will save.
Berechnen Sie, wie zusätzliche monatliche Zahlungen das Tilgungsdatum Ihrer Hypothek und die gesamten Zinsen reduzieren.
Der Hypotheken-Tilgungsrechner zeigt Ihnen die Auswirkung zusätzlicher Tilgungszahlungen auf Ihr Wohnungsbaudarlehen. Geben Sie Ihren verbleibenden Saldo, den Zinssatz und die aktuelle monatliche Zahlung ein, und fügen Sie dann einen zusätzlichen Betrag hinzu, den Sie jeden Monat zahlen können, um zu sehen, wie viel früher Sie schuldenfrei sein könnten.
Finden Sie heraus, wie schnell Sie Ihre Hypothek mit Zusatzzahlungen tilgen können.