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.
Enter your loan details to see your savings.
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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.
A licensed broker can confirm them against real programs — no consultation fees, ever.
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.