Loan Early Payoff Calculator
Calculate early payoff savings
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Early Payoff / Extra Payments
Add a small extra each month or a lump sum and see your savings and new payoff timeline.
How extra payments work
Extra amounts go straight to principal, lowering the balance earlier. That reduces interest next month and pulls your payoff date forward.
Assumptions
- Extra monthly is applied to principal in addition to the scheduled payment.
- Lump sum (if any) is applied to principal in the selected month.
- No prepayment penalties; lender posts extras promptly.