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How many years are left on my mortgage?
No need to dig up your original loan documents. Enter today's balance, your rate and your payment to see your remaining term and payoff date.
How many years are left?
Add extra payments and download the remaining schedule? Open the mortgage payoff calculator →
Estimates only, not a loan offer. See our disclaimer.
Work backwards from your balance
Most calculators ask for your original loan amount and start date. But if you just want to know how much longer you'll be paying, all you really need is where you stand today: your current balance, your interest rate, and the principal-and-interest payment you make each month. From those three numbers, this tool derives exactly how many payments remain and the month you'll be debt-free.
Use the principal & interest payment
Enter only the P&I portion of your payment. If your monthly total includes property taxes and homeowners insurance held in escrow, leave those out — they don't pay down the loan. Your statement usually breaks out the P&I amount.
Frequently asked questions
- How do I find out how many years are left on my mortgage?
- Enter your current balance, interest rate, and your monthly principal-and-interest payment. The calculator works out how many payments remain and your payoff date — no need to know your original term or start date.
- What payment amount should I enter?
- Use only the principal and interest portion of your payment, not the full amount with taxes and insurance (escrow). Your mortgage statement usually lists the P&I separately.
- Why does a small payment never pay off the loan?
- If your payment is less than the monthly interest, the balance grows instead of shrinking, so the loan never amortizes. The calculator will warn you and you can enter a higher payment.