PayoffPlan: Loan Calculator

PayoffPlan is a fast, private loan and mortgage calculator that helps you understand the true cost of a loan before you commit. Enter your numbers and instantly see your monthly payment, total interest, payoff date, and how much you could save with extra payments.

Everything runs entirely on your device. No account, no sign-up, no internet connection required.

KEY FEATURES

• Monthly payment calculator – Estimate your principal & interest from loan amount, interest rate, and term.
• PITI breakdown – Add property tax and homeowner insurance to see your full monthly payment.
• Extra payment savings – See how paying a little more each month cuts your interest and shortens your loan.
• Amortization schedule – A full month-by-month table of principal, interest, taxes, insurance, and balance.
• Balance-over-time chart – Visualize how your balance drops, with and without extra payments.
• Compare loans – Put two scenarios side by side to find the better option.
• Works offline – All calculations happen on your device, instantly.
• Light & dark mode – Clean, modern design that adapts to your phone.

PERFECT FOR

• Home buyers estimating a mortgage payment
• Anyone comparing loan offers or terms
• Planning extra payments to pay off a loan faster
• Auto, personal, student, and home loans

PRIVACY FIRST

PayoffPlan collects no personal data. Your inputs stay on your device and are never uploaded or shared.

DISCLAIMER

PayoffPlan is a calculator for estimation and educational purposes only. It does not provide loans, financial services, or financial advice. Results are estimates and may differ from the actual terms offered by a lender.