Mortgage Extra Payment Calculator
Compare your remaining mortgage with extra principal payments. See the time and interest you could save.
Enter your numbers and select Calculate to explore your plan.
How this estimate works
The regular principal-and-interest payment is estimated from balance, fixed rate, and remaining term. Lump sum applies before the first modeled month; monthly extras follow. Taxes, insurance, PMI, fees, and prepayment penalties are excluded. No refinance or recast is modeled. Confirm principal allocation and any penalty with your lender.
Educational estimates based on your inputs. Read the CFPB guide →
For educational purposes only. Personal Finance Roadmap does not provide financial, investment, tax, legal, or accounting advice.
Calculator results are estimates based on the information you enter and the assumptions used by the tool. Your actual results may differ because of taxes, fees, interest calculations, market performance, employer-plan rules, contribution limits, timing, account terms, and other factors not modeled.
Results are not guarantees, predictions, promises of future performance, or recommendations to take any specific financial action.