Mortgage payoff calculator
See how extra monthly payments of a lump sum shorten your mortgage en cut Rente.
Over Mortgage payoff calculator
See how extra monthly payments of a lump sum shorten your mortgage en cut Rente.
Onderdeel van de sectie “Hypotheek en vastgoed” van SmartCalcy. Werkt in je browser zonder account, gebruikt je eigen valuta en eenheden (te wijzigen bovenaan de pagina) en geeft schattingen alleen ter informatie, dus controleer officiële richtlijnen voordat je op een resultaat vertrouwt.
Zo gebruik je de Mortgage payoff calculator
Wat het berekent en wanneer je het gebruikt
This calculator shows how much sooner you could be mortgage-free, en how much interest you would save, if you overpay each mone of make a one-off lump sum.
Zo gebruik je het, stap voor stap
- Enter your Stroom Saldo, Rente Rente en the Jaren remaining.
- Add the extra amount you can pay each mone en elke lump Som you could Loon now.
- Compare the new payoff Tijd en Rente with the Origineel plan.
Wat elk invoerveld betekent
- Mortgage Saldo now – What you still owe, not the Origineel loan.
- Rentepercentage – Your Stroom Jaarlijks Rente.
- Jaren left – The remaining Looptijd on the mortgage.
- Extra per maand – Money added tot Per stuk regular payment.
- Lump Som – A one-off payment applied immediately tot the Saldo.
Zo lees je de resultaten
- Mortgage-free in – How lang the loan lasts with your overpayments.
- Rente saved – Rente without extra payments minus Rente with them.
- Payment you make now – The required payment plus your extra Hoeveelheid.
De formule
The required payment is P × r ÷ (1 − (1 + r)^−n). Per stuk maand Rente = Saldo × r, en the whole payment plus extra, minus that Rente, reduces the Saldo. The loop runs tot the Saldo reaches zero.
Een rekenvoorbeeld
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 maanden, 6 Jaren 3 months sooner, en cuts interest from 168,452 tot 120,683, a saving about 47,770.
Aannames en beperkingen
- A fixed Rente voor the rest the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often Voor 10% van the balance per jaar.
- The lump Som is Betaald immediately.
Veelgemaakte fouten
- Overpaying while carrying higher-rate debt such as credit cards. Wissen the dearest debt first.
- Using up emergency savings voor overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Veelgestelde vragen
Is overpaying always better than investing?
Overpaying earns a guaranteed return equal tot your mortgage rate. Investing might earn more but is not guaranteed, so the answer depends on the Rente en your risk tolerance.
Does a lump Som of monthly overpayment save meer?
Money paid earlier saves more interest, so a lump sum now generally saves more than the same total spread over jaar.
Gerelateerde tools
Details
- Payment you make now
- £1,428.17 per maand£1,228.17 required
- Rente without extra payments
- £168,452.50
- Rente with extra payments
- £120,682.73
- Rente saved
- £47,769.76
- Origineel payoff Tijd
- 25 Jaren
Jaar na jaar
| Jaar | Hoofdsom | Rente | Saldo |
|---|---|---|---|
| 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 |