Payoff Planner is a free set of loan calculators. It shows how much interest and time you can save by paying a little extra on a mortgage, car loan, or student loan.
Most payoff calculators are cluttered or ask for personal details. This one is simple: enter your numbers, see the result. It doesn’t ask for your name or email, and your inputs never leave your browser.
Calculations use the standard fixed-rate amortization formula with monthly compounding. Results are estimates. They don’t include taxes, insurance, fees, or changes to your interest rate.
The site is free to use and supported by advertising. Ads don’t influence the calculations.
Payoff Planner provides general information, not financial advice. For decisions about your own loans, talk to a qualified professional.