Give your loan the second look: your real payoff date, what it truly costs in interest, and exactly how much an extra payment every month buys back — in dollars and in months.
Every extra dollar goes straight to principal.
Principal & interest only — mortgage figures exclude taxes, insurance, and PMI. Assumes fixed rate and no prepayment penalty. Estimates for planning, not a loan offer.
Every extra dollar against principal skips the interest line entirely — no lender approval, no closing costs, no catch beyond a rare prepayment penalty worth checking your contract for. The accelerator above shows the two numbers that make it real: months cut from the loan and interest that never gets charged.