← All Standard 30-Year calculations
The baseline: minimum payments for the full 30 years. Monthly principal & interest: $4,229.02.
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| # | Strategy | Monthly payment | Payoff | Interest saved |
|---|---|---|---|---|
| 01 | Refinance to 15-Year | $4,715.83 | 15.0 yrs | $673,600 |
| 02 | Extra $500/Month | $4,229.02 | 20.5 yrs | $359,207 |
| 03 | $5,000 Yearly Lump Sum | $4,229.02 | 21.8 yrs | $310,152 |
| 04 | Bi-Weekly Payments | $4,229.02 | 22.4 yrs | $291,886 |
| 05 | Extra $200/Month | $4,229.02 | 25.0 yrs | $194,027 |
| 06 | Recast with $25K | $4,229.02 | 25.3 yrs | $213,252 |
| 07 | Standard 30-Year | $4,229.02 | 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.
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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.