Two strategies, one loan, real numbers. The highest-intent comparisons in mortgage payoff, calculated side by side.
Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.
Two of the most popular acceleration strategies, head to head on the same loan. One works through payment frequency, the other through brute-force extra principal.
View comparison →The once-a-year bonus play against the every-two-weeks habit. Same loan, both strategies, one winner on time and one on total interest — see which is which.
View comparison →The nuclear option against the steady habit. Refinancing wins on paper — but it comes with closing costs and a much bigger monthly check. Compare honestly.
View comparison →One big early move against the smallest monthly habit. If you have a lump sum available, is it better deployed at once or dribbled out over time?
View comparison →Take the free quiz to see if you qualify for a structured payoff plan.
See if you qualify →For USA residents only
Calculations are illustrative only, based on the assumptions shown. Not financial advice, not a promise of savings or payoff time, and not a loan quote.