How fast can your cash flow kill your mortgage?
See how two powerful prepayment strategies compare against your bank's default path — and discover the cash flow you can reclaim.
Step 1 of 7 — Net Monthly Income
Your take-home pay after taxes
Amount currently owed
Current or assumed rate
Current estimated property value (for reference only — doesn't affect the payoff math)
Years left on your mortgage
Your Standard Monthly Payment
$0
—
$
/mo
💡 Did you know? Different lenders have different prepayment rules. Let's compare two real-world strategies based on your extra payment.
🏦 Bank's Default
The standard bank path
Monthly Payment—
Extra Monthly$0/mo
Annual Lump SumNone
Time to Payoff—
Total Interest Paid
—
If you do nothing different
0% optimized
💪 Extra Payment
Monthly extra payment only
Extra Monthly—
Interest Saved—
Saved Earnings—
Time Shaved Off—
Total Savings (Interest + Earnings)
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⭐ Best Strategy — Selected
🚀 Best Lender Strategy
Max prepayment privileges
Extra Monthly—
Annual Lump Sum—
Interest Saved—
Saved Earnings—
Time Shaved Off—
Total Savings (Interest + Earnings)
—
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✨ Your Freedom Number
$0
Interest Saved + Saved Earnings
That's reclaimable for travel, renovations, investing, or early retirement — based on the Best Lender Strategy.
Mortgage Balance Over Time
Standard
Extra Payment
Best Lender Strategy
Estimates only. Not a commitment to lend. Results depend on qualification, behaviour, and lender approval.
Create your account
One quick account gets you your certificate now, and a login to revisit your numbers anytime. James will reach out to confirm which lenders actually offer the prepayment privileges this plan assumes.
Pre-Qualification Code: —
Please fill in every field — passwords must match and be at least 8 characters.
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