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ITONE-TIME LUMP SUM (OPTIONAL)
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Click to download your extra payment analysis as a secure PDF file.
Frequently Asked Questions
What does the extra payment calculator show?
It shows how much time and interest you save by making extra payments — either a fixed monthly extra, a one-time lump sum, or both.
What is a lump sum payment?
A one-time extra payment applied directly to the principal. It immediately reduces the balance you owe interest on, accelerating payoff.
How much can I save with extra payments?
Even small extra payments save thousands. For a $200,000 loan at 7% over 30 years, an extra $200/month saves over $80,000 in interest.
Can I download the extra payment report as PDF?
Yes. Click the download button to get a formatted PDF with your savings breakdown.
Is this calculator free?
100% free, no sign-up required.