Pay off your mortgage years early.
Three calculators. No signup. See exactly how much you save with extra payments, when to refinance, and your full amortization schedule.
Extra Mortgage Payment Calculator
Your mortgage details
Your savings
Refinance Break-Even Calculator
Refinance details
Refinance analysis
Mortgage Amortization Schedule Calculator
Free Mortgage Calculators — No Signup Required
MyMortgagesCalculator.org gives you three powerful mortgage tools in one place. Whether you want to see how extra payments shrink your loan, find out if refinancing makes sense, or get a full year-by-year breakdown of your payments — everything runs instantly in your browser with no account needed.
Extra Payment Calculator
Enter your loan details and an extra monthly amount to instantly see how many years you shave off your mortgage and exactly how much interest you save over the life of the loan.
Refinance Break-Even Calculator
Compare your current mortgage to a new rate and term. See your monthly savings, break-even point in months, and net savings over 5 years — so you know if refinancing is worth the closing costs.
Amortization Schedule Calculator
Generate a complete year-by-year amortization table showing annual principal paid, interest paid, and remaining balance for any loan amount, rate, and term.
Frequently Asked Questions
How much do extra mortgage payments save?
Extra monthly payments reduce your principal balance faster, which lowers the total interest you pay and shortens your loan term. Even $200–$500 extra per month can save tens of thousands of dollars over a 25-year mortgage. Use our extra payment calculator above to see your exact savings.
How do I calculate my refinance break-even point?
Divide your total closing costs by your monthly payment savings. For example, $8,000 in closing costs with $200/month savings means a 40-month (3.3 year) break-even. If you plan to stay in your home longer than that, refinancing makes financial sense. Our calculator does this instantly.
What is an amortization schedule?
An amortization schedule shows every payment broken down into the principal and interest portions, along with your remaining loan balance. In the early years of a mortgage, most of your payment goes to interest — the schedule shows exactly when that flips.
Is this mortgage calculator free?
Yes — all three calculators on MyMortgagesCalculator.org are completely free. There is no account, no email signup, and no personal information required. Everything runs directly in your browser.
How accurate are the calculations?
The calculations use the standard mortgage amortization formula and are accurate for fixed-rate mortgages. Results are for informational purposes — consult a licensed mortgage professional before making financial decisions.