About PayoffMortgage.org

PayoffMortgage.org was created with a simple mission: to give every homeowner access to a free, easy-to-use mortgage payoff calculator that shows exactly how extra payments, biweekly schedules, and lump sums can save thousands of dollars in interest and shave years off a mortgage.

For most families, a mortgage is the single largest financial commitment they will ever make. On a typical 30-year loan, homeowners pay more in interest than the original price of their home. Yet many people do not realize how much power they have to change that equation. Even small, consistent extra payments can produce dramatic results over time.

Our Mission

We believe that financial tools should be free, transparent, and accessible to everyone. Our mission is to:

• Empower homeowners with clear, accurate calculations that show the real impact of different payment strategies.
• Educate through content by publishing in-depth, jargon-free guides on mortgage payoff strategies, interest savings, and smart financial planning.
• Keep it free by supporting the site through advertising, so you never have to pay for the tools and information you need.

What We Offer

Mortgage Payoff Calculator

Our core tool lets you enter your loan balance, interest rate, remaining term, and any extra payment amounts. It instantly calculates how much interest you will save, how many years you will cut from your mortgage, and generates a complete amortization schedule so you can see the impact month by month.

Educational Blog

Our blog covers a wide range of mortgage-related topics, from biweekly payment strategies and the power of extra principal to refinancing considerations and comparing 15-year versus 30-year terms. Every article is written with real numbers and actionable advice—no filler, no sales pitches.

Privacy-First Approach

Your calculator data stays in your browser. We do not collect, store, or transmit the financial details you enter into the calculator. Your mortgage information is your business, not ours.

Why Trust Us

We are not a bank, lender, or financial institution. We do not sell mortgage products or earn commissions from lenders. Our only revenue comes from advertising displayed on the site. This means our advice and calculations are unbiased—we have no financial incentive to steer you toward any particular product or decision.

That said, we are not financial advisors. The information and tools on this site are for educational purposes only. We always recommend consulting with a qualified financial professional before making major financial decisions. For full details, please review our Terms of Service.

Our Editorial Standards

Every piece of content published on PayoffMortgage.org goes through a structured review process:

• Research-backed content — All claims and recommendations are cross-referenced with authoritative sources before publication.
• Regular updates — We review and update existing content quarterly to ensure accuracy as regulations, norms, and data change.
• Calculator validation — Our calculator formulas are tested against known results and industry-standard tools to ensure accuracy.
• Editorial independence — Our content recommendations are not influenced by advertising partnerships. We maintain a clear separation between editorial content and sponsored placements.

Our Research Methodology

Our editorial team focuses on mortgage payoff strategies, interest rate analysis, and home loan optimization. We validate our calculations against CFPB mortgage tools, Freddie Mac rate survey data, and National Association of Realtors statistics.

Our mortgage calculations use standard amortization formulas (M = P[r(1+r)^n] / [(1+r)^n-1]) validated against CFPB's mortgage calculator. Interest rate data is sourced from Freddie Mac's Primary Mortgage Market Survey, and our payoff strategy recommendations are grounded in published financial planning research.

We are committed to transparency. If you believe any content on this site contains an error, please contact us and we will review and correct it promptly.

Get in Touch

We value feedback from our users. If you have suggestions for improving the calculator, ideas for blog topics, or questions about the site, we would love to hear from you.

Reach us at [email protected] or visit our Contact page.