Mortgage payoff calculator
See how extra monthly payments oder a lump sum shorten your mortgage und cut Zinsen.
Über Mortgage payoff calculator
See how extra monthly payments oder a lump sum shorten your mortgage und cut Zinsen.
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So verwendest du den Mortgage payoff calculator
Was es berechnet und wann man es nutzt
This calculator shows how much sooner you could be mortgage-free, und how much interest you would save, if you overpay each mon. oder make a one-off lump sum.
So geht’s, Schritt für Schritt
- Enter your Strom Restschuld, Zinsen Zinssatz und the Jahre remaining.
- Add the extra amount you can pay each mon. und beliebig lump Summe you could Gehalt now.
- Compare the new payoff Uhrzeit und Zinsen with the original plan.
Was jede Eingabe bedeutet
- Mortgage Restschuld now – What you still owe, not the original loan.
- Zinssatz – Your Strom Jährlich Zinssatz.
- Jahre left – The remaining Laufzeit on the mortgage.
- Zusatz pro Monat – Money added bis Pro Stück regular payment.
- Lump Summe – A one-off payment applied immediately bis the Restschuld.
So lesen Sie die Ergebnisse
- Mortgage-free in – How lang the loan lasts with your overpayments.
- Zinsen saved – Zinsen without extra payments minus Zinsen with them.
- Payment you make now – The required payment plus your extra Menge.
Die Formel
The required payment ist P × r ÷ (1 − (1 + r)^−n). Each month interest = balance × r, und the whole payment plus extra, minus that Zinsen, reduces the Restschuld. The loop runs bis the Restschuld reaches zero.
Ein Rechenbeispiel
A 200,000 balance at 5.5% with 25 years left has a required payment 1,228.17. Paying 200 more each month clears it in 18 years 9 Monaten, 6 Jahre 3 months sooner, und cuts interest from 168,452 bis 120,683, a saving about 47,770.
Annahmen und Grenzen
- A fixed Zinssatz für the rest the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often Zu 10 % von the balance pro Jahr.
- The lump Summe ist Bezahlt immediately.
Häufige Fehler
- Overpaying while carrying higher-rate debt such as credit cards. Leeren the dearest debt first.
- Using up emergency savings für overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Häufige Fragen
Is overpaying always better than investing?
Overpaying earns a guaranteed return equal bis your mortgage rate. Investing might earn more but ist not guaranteed, so the answer depends on the Zinssatz und your risk tolerance.
Does a lump Summe oder monthly overpayment save mehr?
Money paid earlier saves more interest, so a lump sum now generally saves more than the same total spread over Jahre.
Ähnliche Werkzeuge
Details
- Payment you make now
- £1,428.17 pro Monat£1,228.17 required
- Zinsen without extra payments
- £168,452.50
- Zinsen with extra payments
- £120,682.73
- Zinsen saved
- £47,769.76
- Original payoff Uhrzeit
- 25 Jahre
Jahr für Jahr
| Jahr | Tilgung | Zinsen | Restschuld |
|---|---|---|---|
| 1 | £6,295 | £10,843 | £193,705 |
| 2 | £6,650 | £10,488 | £187,054 |
| 3 | £7,025 | £10,113 | £180,029 |
| 4 | £7,422 | £9,716 | £172,607 |
| 5 | £7,840 | £9,298 | £164,767 |
| 6 | £8,283 | £8,855 | £156,484 |
| 7 | £8,750 | £8,388 | £147,734 |
| 8 | £9,243 | £7,895 | £138,491 |
| 9 | £9,765 | £7,373 | £128,726 |
| 10 | £10,316 | £6,822 | £118,411 |
| 11 | £10,898 | £6,241 | £107,513 |
| 12 | £11,512 | £5,626 | £96,001 |
| 13 | £12,162 | £4,977 | £83,839 |
| 14 | £12,848 | £4,291 | £70,992 |
| 15 | £13,572 | £3,566 | £57,419 |
| 16 | £14,338 | £2,800 | £43,081 |
| 17 | £15,147 | £1,991 | £27,935 |
| 18 | £16,001 | £1,137 | £11,934 |
| 19 | £11,934 | £263 | £0 |