About Loan Payoff Calculator

Loan Payoff Calculator is a free, privacy-first tool that helps you understand exactly how your loan works — and how extra payments can save you thousands of dollars in interest.

What it does

Enter your loan amount, interest rate, and term to instantly see your monthly payment and a full amortization schedule. Add optional extra monthly or annual payments to compare scenarios side by side.

Who it is for

Anyone with a fixed-rate loan — mortgage, auto loan, student loan, or personal loan — who wants to plan smarter repayment and reduce total interest paid.

Privacy

All calculations happen entirely in your browser. No personal data, financial information, or loan details are ever sent to our servers.