Save Thousands on Your Mortgage
Professional mortgage calculators to help you pay off your home loan faster and save money on interest
Professional Mortgage Calculation Tools
Everything you need to optimize your mortgage payments and save money
Advanced Payoff Calculator
Calculate exact payoff dates with multiple payment strategies including extra payments, biweekly schedules, and lump sums.
Try Payoff CalculatorScenario Comparison
Compare multiple payment strategies side-by-side to find the best approach for your financial situation.
Compare NowPMI/MIP Tracking
Automatically calculate when PMI can be removed and how much you'll save over the life of your loan.
Calculate PMI RemovalBiweekly Payments
Discover how biweekly payments can save you years on your mortgage and thousands in interest.
Explore Biweekly OptionExtra Payments
Calculate the impact of extra monthly payments or one-time lump sum payments on your mortgage.
Calculate Extra PaymentsAmortization Schedule
Generate detailed amortization schedules with export options for CSV and PDF formats.
View Schedule7 New SEO-Optimized Calculators
Covering 30,000+ monthly searches • Save even more with specialized strategies
Early Payoff Calculator
HOTPay off your mortgage 10 years faster
9,900 searches/month
Biweekly vs Monthly
NEWCompare payment frequencies side-by-side
Save $67,000 average
Dave Ramsey Method
EXPERTBaby Steps mortgage payoff strategy
2,900 searches/month
Extra Principal Payments
SAVECalculate savings from extra payments
Save $100,000+
Professional Analysis
PROBank-grade payoff analysis tool
3,600 searches/month
View All 13 Calculators
HUBExplore our complete calculator collection
How It Works
Start saving on your mortgage in three simple steps
Enter Your Loan Details
Input your current mortgage information including loan amount, interest rate, and remaining term
Choose Payment Strategy
Select from various payment options like extra monthly payments, biweekly schedules, or lump sums
Get Instant Results
See exactly how much you'll save in interest and how many years you'll cut from your mortgage
What Our Users Say
Join thousands of homeowners who are saving money on their mortgages
“This calculator helped me realize I could save over $80,000 by making just $200 extra payments each month. Game changer!”
Sarah M.
Homeowner since 2019
“The biweekly payment calculator showed me I could pay off my mortgage 6 years early. So simple and effective!”
Michael R.
Saved 6 years on mortgage
“Best mortgage calculator I've found online. The comparison tool helped me choose the right payment strategy.”
Jennifer K.
Real Estate Professional
Why Our Mortgage Calculator Stands Out
Unlike basic mortgage calculators that only show monthly payments, our comprehensive suite of tools provides deep insights into every aspect of your mortgage. We understand that your home loan is likely your largest financial commitment, and making informed decisions can save you tens of thousands of dollars over the life of your loan.
Our calculators are built on industry-standard financial formulas used by mortgage professionals. Every calculation accounts for compound interest, amortization schedules, and the complex interplay between principal and interest over time. We've also integrated unique features like automatic PMI removal tracking, biweekly payment optimization, and investment comparison tools that you won't find in standard calculators.
What truly sets us apart is our focus on actionable strategies. Instead of just showing you numbers, we provide clear recommendations on which payment strategies work best for your specific situation. Whether you're considering making extra payments, switching to biweekly payments, or wondering if refinancing makes sense, our tools give you the data-driven insights you need to make confident decisions.
Key Advantages
- Accuracy You Can Trust: Our calculations match lender formulas exactly, ensuring your planning is based on real numbers.
- Complete Privacy: All calculations happen in your browser. We never store or transmit your financial information.
- Professional Export Options: Download detailed amortization schedules in CSV or PDF format for your records or tax preparation.
- Mobile Optimized: Access all features seamlessly on any device, whether you're at home or meeting with your lender.
Understanding the Math Behind Your Mortgage
The Power of Extra Payments
Every dollar of extra payment goes directly to your principal balance, reducing the amount on which future interest is calculated. This creates a compounding effect that accelerates throughout the life of your loan. For example, an extra $100 monthly payment on a $300,000 mortgage can save over $50,000 in interest and cut 5 years off your loan term.
Calculate Your Extra Payment Savings →Biweekly Payment Benefits
Biweekly payments work by making half your monthly payment every two weeks. Since there are 52 weeks in a year, you make 26 half-payments, equivalent to 13 full monthly payments instead of 12. This extra payment per year, combined with slightly reduced interest accrual periods, can shave 6-7 years off a 30-year mortgage.
Explore Biweekly Payments →PMI Removal Strategy
Private Mortgage Insurance typically costs 0.5% to 1% of your loan amount annually. By law, PMI must be removed when your loan-to-value ratio reaches 78%, but you can request removal at 80% LTV. Strategic extra payments can help you reach this threshold years earlier, potentially saving thousands in unnecessary insurance premiums.
Track Your PMI Removal →Ready to Save Thousands on Your Mortgage?
Use our free calculators to discover how much you can save