Build a complete amortization schedule with optional extra payments each period, a start date for export-ready rows, and charts for balance decline plus cumulative principal and interest.
Extra payments accelerate principal paydown, shorten the payoff horizon, and reduce lifetime interest. Expand each year to inspect individual payments — ideal for sanity-checking lender statements or modeling a payoff strategy.
Keep going
Each calculator works standalone, but they pair beautifully with the others in the toolkit.
Highlight savings from recurring extras plus a lump sum.
Switch lenses from debt paydown to own vs rent wealth paths.
Compare two loans side by side with closing costs included.
Frequently asked
The math is straightforward, but a few details trip people up. Here are the questions we answer most often.