The free Mortgage Extra-Payment "What-If" Simulator
Drag a live slider to see, in real time, exactly how many years and how much interest an extra monthly payment saves on your mortgage.
- Free to use
- No signup
- Nothing to install
- Runs in your browser
Illustration. Open the tool for the real thing.
See it in action
The Mortgage Extra-Payment "What-If" Simulator with sample data entered and the result showing.

What is the Mortgage Extra-Payment "What-If" Simulator?
Drag a live slider to see, in real time, exactly how many years and how much interest an extra monthly payment saves on your mortgage.
Fill in the fields and the page works out the result for you.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
Part of the Mortgage & Real Estate group of AZRS calculators.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
Planning
Drag a live slider to see, in real time, exactly how many years and how much interest an extra monthly payment saves on your mortgage.
Try it freeHow it compares
A plain look at this tool next to the usual alternative.
| This calculator | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
| Where it runs | In your browser tab | On your computer |
Questions people ask
What does the Mortgage Extra-Payment "What-If" Simulator do?
Drag a live slider to see, in real time, exactly how many years and how much interest an extra monthly payment saves on your mortgage.
Is the result financial advice?
No. It is an estimate to help you plan. Check important decisions with a qualified professional.
Do I need an account to use the Mortgage Extra-Payment "What-If" Simulator?
No. Open the page and enter your numbers.
How do I use the Mortgage Extra-Payment "What-If" Simulator?
1. Open the Mortgage Extra-Payment "What-If" Simulator. 2. Enter the values it asks for. 3. Read the result shown below the fields.
Who is it for?
Planning: Drag a live slider to see, in real time, exactly how many years and how much interest an extra monthly payment saves on your mortgage.
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Drag a live slider to see, in real time, exactly how many years and how much interest an. Free to use.
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