Extra Payment Calculator
Compare a little extra each month with your regular payment.
Changes the unit only, not the amount. No currency conversion.
Extra payment
Debt-free date
Your payoff date will appear here.
Estimates only. Actual lender results may differ. Methodology
How this works
We add monthly interest, then subtract your payment. Extra payments reduce the balance sooner.
Methodology →About this calculation
The extra amount repeats every month. Both plans use the same balance, rate, and start date. Even if the payoff month stays the same, your final payment can shrink.