House Payoff Calculator

See the day your mortgage ends — and how much sooner a few extra dollars gets you there. Enter your balance, rate and payment once. House Payoff Calculator shows your payoff date, the interest still ahead, and the total left to pay. Then it lets you move that date closer. SIX WAYS TO FINISH SOONER Every strategy shows its own payoff date and saving before you pick it: • Extra each month, on a slider • Round up the payment to a whole number • One extra payment a year • Biweekly payments • Weekly payments • A single lump sum HONEST MATHS Biweekly and weekly plans are modelled on their real 26 and 52 payment periods, not a monthly approximation. Time saved is measured between actual payoff dates, so plans on different rhythms stay comparable. THE TRUE COST OF OWNING Property tax, insurance, HOA dues and a maintenance reserve alongside the loan — including what carries on every month after the mortgage is gone. Log repairs against a reserve so the surprises are budgeted. A SCHEDULE YOU CAN PRINT The full amortization schedule, grouped by year, with a plan-versus-base toggle and PDF export. PROGRESS WORTH WATCHING A payoff ring, equity and balance at a glance, and a milestone timeline at 25%, 50%, 75% and mortgage-free. Optional reminders every week, every 2 weeks or every month keep you on rhythm. WHAT CAN I AFFORD? Work backwards from income, deposit and existing debts — credit cards, car and student loans — to a realistic price. It shows which lender rule caps you, and what clearing those debts would buy. PRIVATE BY DESIGN No account. No bank connection. No tracking and no ads. Your loan is written to your iPhone and never leaves it — there is no server holding it and we have no way to read it. To help improve the app, it sends anonymous usage statistics that never include your loan figures, and you can turn them off anytime in Settings ▸ Privacy. FREE AND PRO Free: your payoff date, the extra-monthly simulator, progress, and the first year of your amortization schedule. Pro: the other five payoff strategies, the strategy comparison, every year of the schedule, the "What can I afford?" calculator, the milestone timeline, the true cost of ownership and the printable PDF export. Subscription: House Payoff Pro — monthly or yearly, auto-renewing. Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it anytime in your Apple ID settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://snrgwa-bot.github.io/house-payoff/privacy.html Projections are estimates from the numbers you enter and are not financial advice. Confirm any payoff figure with your lender.