Mortgage payoff calculator

Mortgage payoff calculatorの使い方

何を計算するか、いつ使うか

This calculator shows how much sooner you could be mortgage-free,とhow much interest you would save, if you overpay each mon乗またはmake a one-off lump sum.

使い方の手順

1. Enter your 電流 残高、利息 利率、the 年数 remaining.
2. Add the extra amount you can pay each mon乗とany lump 合計 you could 給与 now.
3. Compare the new payoff 時刻と利息 with the 元のテキスト plan.

各入力項目の意味

• Mortgage 残高 now – What you still owe, not the 元のテキスト loan.
• 金利 – Your 電流 毎年 利率.
• 年数 left – The remaining 期間 on the mortgage.
• 毎月の追加額 – Money added〜1個あたり regular payment.
• Lump 合計 – A one-off payment applied immediately〜the 残高.

結果の読み方

• Mortgage-freeインチ – How long the loan lasts with your overpayments.
• 利息 saved – 利息 without extra payments minus 利息 with them.
• Payment you make now – The required payment plus your extra 量.

計算式

The required paymentはP × r ÷ (1 − (1 + r)^−n). Each month interest = balance × r,ですとthe whole payment plus extra, minus that 利息, reduces the 残高. The loop runs 空き終了 the 残高 reaches zero.

計算例

18 years 9の1,228.17. Paying 200 more each month clears it A 200,000 balance at 5.5% with 25 years left has a required paymentか月、6 年数 3 か月 sooner,、about 47,770. cuts interest from 168,452〜120,683, a saving

前提と限界

• A fixed 利率個でthe term. the rest
• 年 the balance.のOverpayments are accepted without charge. Many lenders cap penalty-free overpayments, often 適用 10%
• The lump 合計は有給 immediately.です

よくある間違い

• Overpaying while carrying higher-rate debt such as credit cards. クリア the dearest debt first.
• Using up emergency savings個でoverpayments.
• Forgetting that a fixed deal may carry an early repayment charge.

よくある質問

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