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Extra Payment Calculator
Compare monthly extra principal and one-time principal payments before committing cash that could also go to debt payoff, emergency savings, or investing.
Formula
How extra payment savings are estimated
The calculator compares the scheduled amortization path with a second path that applies the one-time payment first and adds the monthly extra principal to each payment.
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Continue the mortgage cluster
Turn the extra payment into a full payoff timeline and interest estimate.
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P2 calculator Refinance CalculatorCompare extra principal savings with refinance closing costs and break-even timing.
Debt load Debt CalculatorsCheck whether high-interest debt should receive the extra payment first.
Cash reserve Emergency Fund CalculatorConfirm the extra payment does not drain your cash buffer.