Mortgage prepayment comparator
The right way to evaluate prepayment is “dollars of interest saved per dollar of extra cash sent.” This tool ranks three strategies on that one number so you can pick the most efficient.
Prepayment strategy comparator
Compare three ways to pay your mortgage off early. We rank by $ saved per $1 of extra principal sent — the only number that lets you compare strategies fairly.
| Strategy | Monthly out-of-pocket | Payoff time | Interest paid | Interest saved | $ saved / $ extra |
|---|---|---|---|---|---|
| Baseline | $2,023 | 30 yr | $408,142 | — | — |
Bi-weekly assumes 26 half-payments/yr (= 1 extra full payment/yr) modeled as monthly extra principal of P/12.
Real (inflation-adjusted) cost calculator
Adjusts every future payment back to today’s purchasing power using your expected inflation rate. Helps you see the true long-run cost of a fixed-rate loan.
Nominal total paid
$728,142
Sum of every payment in dollars-of-the-day.
Real total paid (today $)
$479,743
Discounted back to today’s purchasing power.
Inflation discount
$248,399
What inflation effectively shaves off your bill.
Nominal interest: $408,142 · Calculation uses monthly compounding. Inflation rates are uncertain — try multiple scenarios.