Paying early or not, our income stays the same

Why this calculator

Extra payments are easy to make and hard to picture. We built a page that shows both paths for the same loan, with any penalty in plain view.

Behind the page is Cindrus, which helps people keep their loans and assets in view. Anyone can use this payoff calculator at no cost.

What we do not do

We do not refinance, lend or broker. We are not an advisor. We do the arithmetic and cite the rules; you decide.

We cannot see your loan documents, so penalties and fees are only included when you enter them.

Questions and corrections

Use the support page on cindrus.com. cindrus.com/support/