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Mortgage payoff date calculator
See the exact month your mortgage is paid off — and watch the date jump earlier when you add extra payments.
Find your payoff date
Amortization schedule
| # | Date | Payment | Principal | Interest | Extra | Balance |
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Estimates only, not a loan offer. Excludes taxes, insurance and fees unless entered. See our disclaimer.
Know your finish line
Enter your loan above and the payoff date appears in the summary cards. It's a surprisingly motivating number — a concrete month and year when you'll own your home free and clear. Add an extra monthly amount, a one-time lump sum, or switch to biweekly, and watch that date move closer.
Bring the date forward
- Extra monthly payments — even a small, steady amount can pull the date in by years. Try the extra payment calculator.
- Biweekly schedule — 26 half-payments a year equals one extra payment annually. See the biweekly calculator.
- A target date — want a specific finish line? The pay-off-in-15-years calculator tells you the exact extra needed.
Already partway through your loan and don't know the term? Use the
mortgage balance calculator to find your payoff date
from your current balance and payment.
Frequently asked questions
- How do I find my mortgage payoff date?
- Enter your loan amount, rate and term above and the calculator shows your payoff date right in the summary. Add extra payments or switch to biweekly and the date moves earlier in real time.
- How can I pay off my mortgage sooner?
- Any extra principal — a fixed monthly amount, a one-time lump sum, or a biweekly schedule — pulls your payoff date forward. The calculator shows exactly how much each option helps.
- I already have a balance — can I find the payoff date from that?
- Yes. If you know your current balance and payment but not the original term, use the mortgage balance calculator instead, which derives the remaining time and payoff date from where you stand today.