loan early payoff calculator

Loan Payoff CalculatorPlan Your Payments, Cut Interest, and Pay Off FasterOur loan payoff calculator shows your monthly payment, total interest, and exact payoff date in seconds.

Toggle extra monthly payments, a one-time lump sum, deferment (subsidized or unsubsidized),

and an approximate biweekly schedule. Download the full amortization schedule (CSV) to analyze

every month. Works great for student, personal, auto, and mortgage loans.

Monthly breakdown: payment, interest, principal, and remaining balance.

Extra payments: add a fixed extra each month to shorten your payoff time.

Lump sum: test a one-time payment and see how much interest you save.

Deferment: compare subsidized vs. unsubsidized interest accrual.

Biweekly option (approx): ~one extra monthly payment per year.

CSV export: download the full amortization schedule for record-keeping.