Frequency
Amount$
Starting
Ending optional
Loan payoff calculatorCalculate mine
See what a loan really costs. Then pay it off sooner.
Enter a loan amount, rate, and term for a standard amortization schedule. Add recurring or one-time extra payments to see exactly how much interest and time they save.
Takes about 2 minutes
Your numbers stay private
Your loan
The amount, rate, and term of the loan itself.
Loan amountThe principal you're borrowing (or still owe).
$Interest rateAnnual rate, compounded monthly.
Loan termTotal length of the loan.
First paymentWhen payments start.
2Extra paymentsAdd a recurring amount, a one-time lump sum, or both.Optional
No extra payments yet. Your loan payoff runs on schedule until you add one.
Frequency
Amount$
Month
Ending optional
Same math the app uses
Standard amortization, plus the levers that actually move it.
Set the loan
Amount, rate, and term give you the standard fixed monthly payment.
Add extra payments
A recurring monthly amount, a one-time lump sum, or both — applied straight to principal.
Compare the payoff
See the new payoff date, interest saved, and the balance curve for both paths.
✦ Free to start
Turn this estimate into a real payoff plan.
Track your actual loan balance and extra payments in ClearCash, and see the payoff date update automatically as you go.
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