← All Standard 30-Year calculations
The baseline: minimum payments for the full 30 years. Monthly principal & interest: $3,696.19.
Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.
Pay off your mortgage in 5–7 years instead of 30. *With qualification.
See if you qualify →For USA residents only.
| # | Strategy | Monthly payment | Payoff | Interest saved |
|---|---|---|---|---|
| 01 | Refinance to 15-Year | $8,574.23 | 15.0 yrs | $-212,731 |
| 02 | Extra $500/Month | $3,696.19 | 25.3 yrs | $55,238 |
| 03 | $5,000 Yearly Lump Sum | $3,696.19 | 26.0 yrs | $45,816 |
| 04 | Bi-Weekly Payments | $3,696.19 | 26.9 yrs | $36,983 |
| 05 | Extra $200/Month | $3,696.19 | 27.9 yrs | $24,606 |
| 06 | Recast with $25K | $3,696.19 | 29.0 yrs | $19,223 |
| 07 | Standard 30-Year | $3,696.19 | 30.0 yrs | $0 |
You pay the standard monthly principal-and-interest payment for the full 360 months. This is the baseline every other strategy is measured against — no extra payments, no tricks.
360 monthly payments of the standard amortized amount. No extra principal, no lump sums, no refinancing.
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.