Extra Payment Calculator

Calculate the impact of extra payments on your loan. See how much you can save in interest and time by making additional payments.

Loan Information

Payment Impact Results

Enter your loan information and click calculate to see results

Extra Payment Benefits

  • Interest Savings: Reduces total interest paid over loan life
  • Time Savings: Shortens loan payoff period
  • Principal Reduction: Extra payments go directly to principal
  • Compound Effect: Early payments have greater impact

Frequently Asked Questions

Should I make extra payments or invest the money?

Compare your loan interest rate to expected investment returns. If your loan rate is higher, extra payments usually make more sense.

When should I make extra payments?

The earlier you make extra payments, the greater the impact. Extra payments in the first few years save the most interest.

Are there any penalties for extra payments?

Most loans allow extra payments without penalty, but check your loan agreement. Some loans may have prepayment penalties.