Compare snowball, avalanche and minimums-only payoff: months to debt-free, total interest, and what an extra payment saves.

How many months until refinancing pays for itself — from your current loan, the new rate and the closing costs.

Monthly payment, total interest and total cost of a loan — in USD, EUR, GBP, INR or LKR.

Current monthly payment
New payoff time
Time saved
Total interest, current plan
Total interest, with extra
Payment needed to pay off in target years

Loan Extra Payment Calculator

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