Free Tool
Enter your mortgage below, then flip the switches and watch your payoff date move. Everything recalculates instantly as you type — and nothing you enter is sent or stored anywhere.
Use just the principal + interest portion of your payment — leave out taxes, insurance, and HOA (those never end, sadly).
Gold = your plan with the options above. Gray dashed = current payments unchanged.
Click any row to apply it above.
That payment you’ve made for decades doesn’t vanish — it becomes yours again. For most families it’s the single biggest cash-flow event before retirement, and pointing it at your retirement instead of letting it evaporate is how people catch up fast. When you can see your payoff date, it’s worth planning what comes next.
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This calculator is for general educational purposes only and provides estimates based solely on the numbers you enter. It assumes a fixed interest rate, on-time payments, no escrow changes, and that extra payments are applied directly to principal (confirm with your loan servicer — some require you to specify this). Biweekly figures assume 26 half-payments per year credited as received; actual servicer biweekly programs vary and some charge fees — paying extra monthly yourself achieves a similar result for free. This is not financial, tax, legal, credit, or mortgage advice, nor a recommendation of any product or strategy. Stream Income Group is an insurance and financial services firm. Please consult qualified professionals regarding your individual situation.