Early Payoff Calculator

Extra principal payments shorten your loan and cut total interest — even modest monthly additions can remove years. Enter your balance, rate, and extra payment below to see your new payoff date and exactly how much interest you’d save.

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

Like what the numbers say?

A licensed broker can confirm them against real programs — no consultation fees, ever.

Your results are available as a free PDF

To save a clean, complete copy of your calculator results, head back to the page and tap “Download my results” — we’ll unlock a print-ready version with all of your numbers, free.

eurekamortgage.net · 503-420-5434 · info@eurekamortgage.net · No consultation fees, ever

Eureka Mortgage Planning LLC – NMLS #2456819. Equal Housing Lender. Licensed by the Oregon Division of Financial Regulation, Idaho Department of Finance, California Department of Financial Protection and Innovation (CFL), Washington State Department of Financial Institutions, Arizona Department of Insurance and Financial Institutions, Texas Department of Savings and Mortgage Lending, New Mexico Mortgage Finance Authority, Nevada Division of Mortgage Lending, Florida Office of Financial Regulation, and Tennessee Department of Financial Institutions. 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. Not all loan products are available in all states. For licensing information, go to http://www.nmlsconsumeraccess.org.

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