Mortgage payoff calculator
See how extra monthly payments или a lump sum shorten your mortgage и cut Проценты.
О «Mortgage payoff calculator»
See how extra monthly payments или a lump sum shorten your mortgage и cut Проценты.
Часть раздела «Ипотека и недвижимость» SmartCalcy. Работает в вашем браузере без аккаунта, использует вашу валюту и единицы (меняются вверху страницы) и даёт оценки только для информации, поэтому перед тем как полагаться на результат, сверьтесь с официальными рекомендациями.
Как пользоваться: Mortgage payoff calculator
Что считает и когда использовать
This calculator shows how much sooner you could be mortgage-free, и how much interest you would save, if you overpay each mon-й или make a one-off lump sum.
Как пользоваться, шаг за шагом
- Enter your Сила тока Остаток, Проценты Ставка и the Годы remaining.
- Add the extra amount you can pay each mon-й и any lump Сумма you could Оплата now.
- Compare the new payoff Время и Проценты with the Оригинал plan.
Что означает каждое поле
- Mortgage Остаток now – What you still owe, not the Оригинал loan.
- Процентная ставка – Your Сила тока Ежегодно Ставка.
- Годы left – The remaining Срок on the mortgage.
- Дополнительно в месяц – от Money added до За шт. regular payment.
- Lump Сумма – от A one-off payment applied immediately до the Остаток.
Как читать результаты
- Mortgage-free дюйм. – How long the loan lasts with your overpayments.
- Проценты saved – Проценты without extra payments minus Проценты with them.
- Payment you make now – The required payment plus your extra Количество.
Формула
The required payment — P × r ÷ (1 − (1 + r)^−n). Each month interest = balance × r, и the whole payment plus extra, minus that Проценты, reduces the Остаток. The loop runs До the Остаток reaches zero.
Пример расчёта
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 в 18 years 9 мес., 6 Годы 3 мес. sooner, и от cuts interest from 168,452 до 120,683, a saving about 47,770.
Допущения и ограничения
- A fixed Ставка за the rest the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often По 10% от the balance в год.
- The lump Сумма — Оплачено immediately.
Частые ошибки
- Overpaying while carrying higher-rate debt such as credit cards. Очистить the dearest debt first.
- Using up emergency savings за overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Частые вопросы
Is overpaying always better than investing?
от Overpaying earns a guaranteed return equal до your mortgage rate. Investing might earn more but — not guaranteed, so the answer depends on the Ставка и your risk tolerance.
Does a lump Сумма или ещё monthly overpayment save?
Money paid earlier saves more interest, so a lump sum now generally saves more than the same total spread over лет.
Похожие инструменты
Подробности
- Payment you make now
- £1,428.17 в месяц£1,228.17 required
- Проценты without extra payments
- £168,452.50
- Проценты with extra payments
- £120,682.73
- Проценты saved
- £47,769.76
- Оригинал payoff Время
- 25 лет
По годам
| Год | Основной долг | Проценты | Остаток |
|---|---|---|---|
| 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 |