Pay off your mortgage smarter
Free, fast calculators for homeowners deciding what to do with extra cash, a windfall or a lower rate. No sign-up, and nothing you enter leaves your browser.
Mortgage Recast Calculator
See your new payment after a lump-sum recast.
Recast vs Refinance vs Pay Extra
Compare all three ways to use a lump sum.
Extra Payment & Early Payoff Calculator
How much sooner you'll be debt-free.
Pay Off Mortgage or Invest Calculator
Prepay the loan or invest the cash?
Refinance Break-Even Calculator
How many months until a refi pays for itself.
Guides
Which calculator do I need?
- Got a lump sum and want a lower payment? Use the recast calculator.
- Not sure whether to recast, refinance or prepay? Use the three-way comparison.
- Want to be mortgage-free sooner? Use the extra payment calculator.
- Wondering whether investing beats prepaying? Use the pay off or invest calculator.
- Rates dropped? Use the refinance break-even calculator.