Borrower Intelligence Platform
Planning a NEW loan? Enter the loan you're considering — amount, rate, and term — to build a complete amortization schedule from day one. Already have a loan you're paying on — mortgage, card, auto, or other? Skip ahead to the Existing Debt section below instead.
Already borrowed? This section works with debt you're currently paying on — enter your current balance, your monthly P&I payment, or your original loan plus the payments you've already made — rather than a new loan. Instantly see how much an extra payment, a refinance, or a consolidation loan could save you. Still shopping for a loan? Use the Loan Details section above.
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I know my monthly principal & interest payment (derive my balance instead)
Applied to crushing the principal faster
Explore a Refinance
Current Payment
$1,662.29
Remaining Interest (as-is)
$268,635.89
Payoff Time Left
26 yr · by 08/11/2052
Interest-Only Warning
107% of balance
Crush It Faster
Add $200.00/mo to your payment
Interest Saved
$70,877.38
Payoff Sooner By
5 yr 11 mo
New Payment
$1,862.29
New Payoff Time
20 yr 1 mo
Refinance Option
Refi at 5% for 30 yr · $4,000.00 closing
New Payment
$1,342.05
Monthly Savings
$320.24
Net Lifetime Savings
$31,496.43
Break-Even
1 yr 1 mo
Compare both paths — extra payments keep your flexibility, refinancing locks in savings but restarts the clock.