Recast with $25K vs. Extra $200 a Month

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?

Compared on a $500K loan at 7%.

Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.

Featured alternative

The 5–7 Year Alternative

Pay off your mortgage in 5–7 years instead of 30. *With qualification.

See if you qualify →

For USA residents only.

Recast with $25K

Time to payoff25.9 yrs
Years saved4.1
Interest saved$138,891
Total interest$558,654

Full recast with $25k calculations →

Faster payoff

Extra $200/Month

Time to payoff25.1 yrs
Years saved4.9
Interest saved$133,564
Total interest$563,980

Full extra $200/month calculations →

Winner is marked by faster payoff. 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.

Which strategy fits your life?

Take the free quiz to see if you qualify for a structured payoff plan.

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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.