Early Payoff Calculator

Early Payoff Calculator shows how much interest you may save and how much sooner you could become debt-free. Enter your balance, annual interest rate, and regular monthly payment, then add a monthly extra payment, a one-time lump sum in a chosen month, or both. The app runs a complete month-by-month amortization and presents one focused payoff summary with your strategy, estimated interest savings, time saved, and debt-free month. Save named scenarios with every form value and your notes, then load them later to restore the full plan and recalculate the result. Quick presets make common payoff ideas easy to explore, while light and dark themes keep the compact calculator comfortable to use.