6.125% fixed · 30-year conventional · autopay with $400/mo extra principal
Balance remaining
6.125%
Interest rate
Monthly payment
Extra principal
Projected payoff
What your extra principal is doing for you
Your loan today
Loan dates are derived from your 6.125% rate, current balance, and the June 2026 next-payment date.
Autopay ON|
drafts on the 1st||
Checking (…6206)|
Next draft
Principal paid down
Interest paid so far
Balance remaining
Paid in so far
Payments left (current plan)
Projected payoff
Payoff explorer interactive
Model different payoff strategies and watch the interest and timing change.
$
$
Payoff time
Total interest
Interest saved
Total of all payments
Balance over time
Your payoff path
Scheduled payment only
Where you are today
Principal vs. interest, by year
Each bar is one year of payments. Early on it's almost all interest; the green grows as the balance falls.
Principal (builds equity)
Interest (finance charge)
Total cost split
Of everything you pay the lender.
▸ Full amortization schedule
#
Date
Payment
Principal
Interest
Balance
Should you refinance? analysis
Adjust the assumptions below. The dashboard compares the refi against keeping your current loan, computes when you break even, and tells you whether you come out ahead short-term and long-term.
Refinance assumptions
%
$
$
Side by side
Net savings over time
Net = (what you'd pay on the current loan through year N) − (what you'd pay on the refinanced loan through year N) − any closing costs you paid upfront. Positive means refinancing is ahead by that amount at that horizon.