PayDownMath

You have extra money and a mortgage. Now what?

Free calculators that compare your real options side by side — not just the one your lender wants you to pick.

Calculators

Mortgage recast calculator

Compare recasting, paying down without a recast, and doing nothing. See the payment, the interest, and the payoff date for each.

PMI removal calculator Coming soon

Find out how much you need to pay, or how much your home needs to appreciate, to drop mortgage insurance.

Early payoff calculator Coming soon

See what an extra monthly amount does to your payoff date and total interest.