Mortgage Payoff Calculator, Printable Schedule
Payoff framing matters when you are deciding whether to redirect savings toward the mortgage or investments. This page emphasizes how an extra $300 per month changes payoff date and total interest on a $300,000 loan at 6.5%.
The controls below regenerate the schedule live. Download PDF for a binder copy or CSV for spreadsheet analysis. Annual summary mode collapses 360 rows into 30 years for a one-page overview.
Not financial advice. Run your own numbers with the controls — nothing you type is uploaded or stored.
Loan:$300,000.00 at 6.5% for 30 years (monthly)
Monthly payment:$1,896.20
Total interest:$247,519.43· Payments:250
Interest saved:$135,117.31 · Fewer payments: 111
| # | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|
| 1 | $26,354.40 | $7,062.34 | $19,292.06 | $292,937.66 | |
| 2 | $26,354.40 | $7,535.31 | $18,819.09 | $285,402.35 | |
| 3 | $26,354.40 | $8,039.94 | $18,314.46 | $277,362.41 | |
| 4 | $26,354.40 | $8,578.44 | $17,775.96 | $268,783.97 | |
| 5 | $26,354.40 | $9,152.94 | $17,201.46 | $259,631.03 | |
| 6 | $26,354.40 | $9,765.94 | $16,588.46 | $249,865.09 | |
| 7 | $26,354.40 | $10,419.95 | $15,934.45 | $239,445.14 | |
| 8 | $26,354.40 | $11,117.82 | $15,236.58 | $228,327.32 | |
| 9 | $26,354.40 | $11,862.38 | $14,492.02 | $216,464.94 | |
| 10 | $26,354.40 | $12,656.84 | $13,697.56 | $203,808.10 | |
| 11 | $26,354.40 | $13,504.48 | $12,849.92 | $190,303.62 | |
| 12 | $26,354.40 | $14,408.92 | $11,945.48 | $175,894.70 |
Showing first 12 of 21 rows. Download PDF or CSV for the full schedule.
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