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.

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.