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Calculator

How fast could you be mortgage-free?

Add a little to each payment and watch years — and thousands in interest — disappear. Your numbers, instantly.

Your loan

$
$
$
Paid off sooner by
Interest saved
every extra dollar goes straight to principal — the highest guaranteed return most homeowners can get
Balance over time — current plan vs. with extra payments
Prepay the mortgage, or invest the difference?

It's one of retirement planning's classic questions, and the honest answer depends on your rate, your taxes, and your plan. Bring this number to a conversation and we'll answer it for your situation.

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HOW IT WORKS & IMPORTANT INFORMATION: Calculations amortize your entered balance at your entered rate and payment, applying extra amounts directly to principal each month. Results exclude taxes, insurance, escrow, and any prepayment penalties; verify your loan permits penalty-free prepayment. Whether prepaying a mortgage beats investing the same dollars depends on your rate, tax situation, and alternatives — a planning question we're glad to work through with you. This educational tool is not financial, tax, or lending advice. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026 Mountain View Wealth Management, LLC.