Extra Mortgage Payment Calculator

📈 Extra Payment Calculator

See how monthly, annual, or lump sum payments accelerate payoff

Current Loan Balance

Interest Rate

Remaining Term

yrs

Extra Monthly Payment

Extra Annual Payment

One-Time Lump Sum

Standard Monthly P&I —

Original Payoff —

New Payoff Date —

Total Extra Paid —

        Interest Saved
        —
      

💡 Note: Extra payments are applied directly to principal. Annual extra is applied every 12 months. Lump sum is applied immediately. Confirm with your lender that no prepayment penalties apply. Actual results may vary slightly due to payment processing dates and rounding.