Extra principal — what it actually buys
Paying it down early
The loan — applies to every scenario
24 years 5 months left at the current payment
$
% APR
$
As it stands
The house is yours in 24 years 5 months.
This is the path you’re on today, and every other scenario is measured against it.
Jun 2050
Jan 2026Jun 2050 if nothing changes
Paid off
Jun 2050
That’s 24 years 5 months of payments still ahead
Interest you'd still pay
$242,101
Every dollar of it avoidable
Interest never paid
$0
Nothing avoided on this path
Extra out of pocket
$0
No extra principal in this scenario
What you still owe
Hover the chart to read any year
This scenarioNo extra payments
Interest handed to the bank
Cumulative, from today forward
Interest paidNo extra paymentsInterest avoided
Where each year's money lands
The crossover is the point your payment starts working for you
Principal — equity you keepInterest — gone
Saved scenarios
Edits are saved automatically and stay put between visits
$
$
nothing extra
$
$
$325 a month
$
$
$250 a month and $3,000 every Apr
$
$
$
$900 a month, $5,000 every Dec and a one-time $10,000
Figures cover principal and interest only — taxes, insurance, and escrow are excluded because extra payments don’t change them. Every scenario is compared against making no extra payments at all. Press P to present, ← → to move between scenarios.