← All Standard 30-Year calculations
The baseline: minimum payments for the full 30 years. Monthly principal & interest: $3,141.77.
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| # | Strategy | Monthly payment | Payoff | Interest saved |
|---|---|---|---|---|
| 01 | Refinance to 15-Year | $7,288.09 | 15.0 yrs | $-180,821 |
| 02 | Extra $500/Month | $3,141.77 | 24.7 yrs | $53,632 |
| 03 | $5,000 Yearly Lump Sum | $3,141.77 | 25.5 yrs | $44,681 |
| 04 | Bi-Weekly Payments | $3,141.77 | 26.9 yrs | $31,436 |
| 05 | Extra $200/Month | $3,141.77 | 27.6 yrs | $24,281 |
| 06 | Recast with $25K | $3,141.77 | 28.8 yrs | $19,146 |
| 07 | Standard 30-Year | $3,141.77 | 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.