Mortgage Payoff Calculator
Compare your current mortgage schedule with extra payments, lump sums, or biweekly acceleration.
How this is calculated
The baseline uses the standard fixed-payment amortization formula with APR divided by 12. The accelerated schedule applies monthly extras, one lump sum, and optional biweekly acceleration directly to principal.
The final row is capped to the remaining balance plus that period's interest, so extra payments never push the schedule below zero.