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Debt planning

Loan Calculator

Use this for fixed-rate personal debt, renovation money, or smaller investment financing where extra payments can change the story fast.

  • Model extra principal without opening a spreadsheet.
  • Keep origination fees visible so the math stays honest.
  • Good for renovation loans, hard-money cleanup, and personal debt planning.

Inputs

Run the numbers

Result

$150 extra each month trims payoff time to 4 years 1 months and saves about $1,772 in interest.

Scheduled payment

$821

Accelerated payoff

4 years 1 months

$150 extra monthly

Interest saved

$1,772

Origination fee

$600

Total paid with extra

$48,067

Months shaved off

11

  • This tool works well for personal loans, HELOC-style payoff planning, and smaller investment debt.
  • Extra principal works hardest early, while the interest share is still front-loaded.
  • Keep the origination fee in the math so the saved-payment story stays honest.

First 6 accelerated payments

MonthPaymentPrincipalInterestBalance
1$970.66$687.33$283.33$39,312.67
2$970.66$692.20$278.46$38,620.48
3$970.66$697.10$273.56$37,923.38
4$970.66$702.04$268.62$37,221.34
5$970.66$707.01$263.65$36,514.33
6$970.66$712.02$258.64$35,802.31

Hybrid lead capture

Want the accelerated payoff version emailed?

Email me the detailed version and the strategic next move.

We will save the payoff path, interest saved, and the scenario assumptions so you can compare lenders or strategies later.

$150 extra each month trims payoff time to 4 years 1 months and saves about $1,772 in interest.

Current headline result: $821