Bolån Förtidslösen Kalkylator
Beräkna hur mycket tid och pengar du sparar genom att göra extra betalningar på ditt bolån.
Bolån Förtidslösen Kalkylator
The home payoff calculator shows how much interest you save and how many years early you can pay off your mortgage by making additional principal payments.
Even small extra payments make a big difference. An extra $100/month on a $300,000, 30-year mortgage at 7% can save over $60,000 in interest and pay it off 4.5 years early.
There are several strategies: adding a fixed extra amount each month, making one extra payment per year, biweekly payments (results in 13 payments per year instead of 12), or lump-sum paydowns.
How Extra Mortgage Payments Work
All extra payments go directly toward the principal balance. Reducing principal earlier means you pay interest on a smaller balance for the remaining life of the loan.
The savings compound over time because every dollar off the principal reduces all future interest charges. Early payments have the greatest impact since interest is front-loaded in amortization.
Best Strategies to Pay Off Your Mortgage Early
Biweekly payments: Pay half your monthly payment every two weeks. You'll make 26 half-payments = 13 full monthly payments per year instead of 12.
Lump sum payments: Apply tax refunds, bonuses, or inheritances directly to principal. Round up: round your payment up to the nearest $50 or $100 each month.