Mortgage Payoff Calculator
Ona kuti ungabhadhara mari yako yemutero sei nekukurumidza uye kuti unenge uchichengeta marii nemari yemutero.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
Adding a little extra to your mortgage payment each month goes straight to principal, shortening the loan and cutting the interest you pay. This mortgage payoff calculator compares your current schedule with an accelerated one that adds your chosen extra monthly payment, plus an optional one-time lump sum, and shows the new payoff time and the total interest saved.
Because your regular payment is fixed, any amount above it has no interest to cover and reduces principal directly, so next month accrues less interest and the effect compounds. On a 250,000 balance with 25 years left at 6.5%, paying an extra 200 a month clears the loan years early and saves a substantial slice of interest, all reported against the baseline no-extra schedule.
Use it to see how much sooner extra payments free you from the mortgage and how much interest they save, and to compare steady monthly extras against a single lump sum. An earlier lump sum has more time to work, while regular extras compound their benefit across the whole remaining term.
Zvimwe zvinobvunzwa zvakanyanya
Maitiro ekubhadhara mari yekuwedzera kuti ubhadhare mari yemutero wacho nguva pfupi yadarika?
Your regular payment is fixed, so any amount above it has no interest to cover and reduces the principal directly. A smaller principal accrues less interest next month, which snowballs — often cutting years off a 30-year loan for a modest monthly extra.
Ndiani anofanira kubhadharwa mari yekuwedzera kana kuti anofanira kubhadharwa mari yese?
Vaviri ava vanobatsira; mari idzi dzinowedzera mari yemubhadharo wemwedzi nemwedzi, uye mari imwecheteyo inoita kuti mari iite kuti zvive nyore kubhadharisa mari. Ingopinda muchikamu chimwe chete kana zvese izvi kuti uzvienzanise nemari yawakachengeta.
Nzira yakareba sei yakati kuti zvikwereti zvangu zvichabhadharwa kana ndashandisa mari yekuwedzera?
Izvi zvinoenderana nemari yacho, mari yako uye makore aunobhadhara, asi mhedzisiro inowanzova yakakura zvikuru – mari yacho inogona kubvisa makore akawanda kubva pamari yawakabhadhara kare. Chimwe chinhu chinokosha ndechekuti, nguva yawakachengeta ichiratidza kuti washandisa mari yakawanda sei pamwedzi.
Ndiri nani kubhadharisa yangu mortgage nguva pfupi yadarika kana kuisa mari?
Kubhadhara zvishoma zvinopa mari yakafanana nemari yaungabhadhara pamari yako yekudyara, pasina mari yekubhadhara mari yemari. Kuita mari kunogona kukubatsira kuti uwane mari yakawanda asi pasina kuvimbika. Kana mari yako iri yepamusoro, kubhadharisa mari yapfuura kunogona kukubatsira kuti uwane mari yakawanda.
Ndinofanira kuita mari yenguva dzose kana kudzoreredza mari?
Kutenga mari yechikwereti kwechinguva kunochengeta mari yako yechikwereti uye nguva yacho asi kunodzikisa mari yechikwereti, zvichikuchengetera mari yechikwereti pasina mari yekuvhara. Kutenga mari yechikwereti kwechinguva kunochinja mari yechikwereti kana nguva yechikwereti uye kunopa mari yechikwereti.
Idzi mari dzemutero dzichaderedza mari yangu yemwedzi?
Hapana — mari yaunobhadhara pamwedzi inogara ichifanana; mari inopfuura inoderedza mari yechikwereti uye inoderedza mari yemubhadharo. Kuti uwane mari yacho, unofanira kudzosera mari yechikwereti kana kudzosera mari yechikwereti, izvo izvi hazvina kuitwa nechikwereti chemari.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
GET https://calculator.free/api/v1/mortgage-payoff/curl
curl "https://calculator.free/api/v1/mortgage-payoff/?balance=250000&rate=6.5&years=25&extra=200"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/mortgage-payoff/?" + new URLSearchParams({
"balance": "250000",
"rate": "6.5",
"years": "25",
"extra": "200"
}));
const data = await r.json();
console.log(data.results);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.