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Early Payoff Calculator

See what a little extra each month does to your mortgage. We’ll show the years you reclaim and the interest you keep — in plain numbers, no pressure.

Your Eureka moment
$0
in interest you could keep

Enter your loan details to see your savings.

Your loan

$
Enter a loan amount greater than $0.
%
Enter a rate of 0% or higher.
years
Enter a term between 1 and 50 years.

Your extra payments

$
$
$
$
$
$

What changes

Monthly P&I (original)
$0
Monthly P&I + extra
$0
Original payoff
—
New payoff
—
Interest (original)
$0
Interest (with extra)
$0
Time reclaimed0%
Add an extra payment to see your timeline shrink.

Your two paths

Navy = original loan  ·  Sage = with your extra payments
YearPrincipalInterestExtraBalance
Equal Housing Lender NMLS #2456819

This calculator provides estimates for planning only and is not a loan offer, an application, or a commitment to lend. Results assume a fixed rate and on-time payments, do not account for how a specific servicer applies extra principal, and exclude taxes, insurance, mortgage insurance, and other costs unless you enter them. Your actual rate, payment, and savings depend on full underwriting and approval.

Eureka Mortgage Planning LLC – NMLS #2456819. Equal Housing Lender. This is not a commitment to lend. All loans are subject to underwriting and approval. Terms, rates, and programs are subject to change without notice.