When will my mortgage be paid off?

Enter your loan to see your mortgage payoff date, then watch how extra payments move it sooner — with a month-by-month amortization schedule and a payoff graph. Educational only. Talk to a qualified loan officer for advice tied to your actual mortgage.

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As written, this loan pays off in May 2056 and costs $510,178 in interest along the way.

Monthly P&I
$2,528.27
Total interest
$510,178
Payoff date
May 2056
360 payments
Total paid
$910,178

Mortgage payoff graph

Your remaining balance, month by month, until the loan is gone. Dashed line is the baseline without any extra payments.

$0
$100k
$200k
$300k
$400k
2026
2031
2036
2041
2046
2051
2056
Total paid: $910,178
Loan balance from Jun 2026 to May 2056, starting at $400,000 and ending at $0. Total paid: $910,178 over 360 payments.
YearYear-end balance
2026$397,427
2027$392,784
2028$387,830
2029$382,544
2030$376,904
2031$370,886
2032$364,466
2033$357,615
2034$350,305
2035$342,506
2036$334,185
2037$325,306
2038$315,833
2039$305,725
2040$294,941
2041$283,434
2042$271,156
2043$258,056
2044$244,079
2045$229,166
2046$213,254
2047$196,276
2048$178,162
2049$158,834
2050$138,212
2051$116,208
2052$92,731
2053$67,682
2054$40,955
2055$12,439
2056$0

Each year, by purpose

How much of every annual payment went to interest, principal, and any extra.

$0
$8k
$15k
$23k
$30k
2026
2031
2036
2041
2046
2051
2056
PrincipalInterest
Each year's payments split into principal, interest, and any extra paid.
YearPrincipalInterest
2026$2,573$15,125
2027$4,643$25,696
2028$4,954$25,385
2029$5,286$25,053
2030$5,640$24,699
2031$6,018$24,322
2032$6,421$23,919
2033$6,851$23,489
2034$7,310$23,030
2035$7,799$22,540
2036$8,321$22,018
2037$8,879$21,461
2038$9,473$20,866
2039$10,108$20,232
2040$10,785$19,555
2041$11,507$18,832
2042$12,278$18,062
2043$13,100$17,239
2044$13,977$16,362
2045$14,913$15,426
2046$15,912$14,427
2047$16,978$13,362
2048$18,115$12,225
2049$19,328$11,011
2050$20,622$9,717
2051$22,003$8,336
2052$23,477$6,862
2053$25,049$5,290
2054$26,727$3,612
2055$28,517$1,822
2056$12,439$203

Month-by-month payoff schedule

Expand a year to add a one-off extra payment, or check recast to re-amortize the remaining balance over the remaining term.

    • Jun 2026$399,638.39
      Payment $2,528.27. Principal $361.61, interest $2,166.67.
    • Jul 2026$399,274.83
      Payment $2,528.27. Principal $363.56, interest $2,164.71.
    • Aug 2026$398,909.30
      Payment $2,528.27. Principal $365.53, interest $2,162.74.
    • Sep 2026$398,541.78
      Payment $2,528.27. Principal $367.51, interest $2,160.76.
    • Oct 2026$398,172.28
      Payment $2,528.27. Principal $369.50, interest $2,158.77.
    • Nov 2026$397,800.77
      Payment $2,528.27. Principal $371.51, interest $2,156.77.
    • Dec 2026$397,427.26
      Payment $2,528.27. Principal $373.52, interest $2,154.75.

Common questions about mortgage payoff

How do I figure out when my mortgage will be paid off?
Enter your loan amount, interest rate, and term, and the calculator builds a full amortization schedule and shows your payoff date — the month your balance reaches zero. Add an extra payment and the date moves sooner.
What is a mortgage payoff date?
Your payoff date is the month you make the final payment and the loan balance hits zero. On a standard 30-year mortgage with no extra payments, it's 30 years from your first payment; prepayments pull it earlier.
How much sooner can extra payments pay off my mortgage?
It depends on the size and timing of the extra, but even a modest amount each month can cut years off the term. The calculator shows the exact time saved and interest saved versus a baseline with no extras, so you can compare scenarios side by side.
How long does it take to pay off a mortgage on average?
Most U.S. mortgages are written for 30 years, though 15- and 20-year terms are common too. Many homeowners pay off sooner by refinancing, moving, or making extra principal payments. Enter your own numbers above to see your specific timeline.
What does the mortgage payoff graph show?
The payoff graph plots your remaining balance month by month until the loan is gone, overlaid with a dashed baseline line for the no-extra-payments scenario. The gap between the two lines is the time and balance your extra payments eliminate.
What is mortgage recasting?
Recasting re-amortizes your remaining balance over the remaining term after a large prepayment, which lowers your monthly payment without changing the rate or extending the loan. You can toggle recast on any month in the schedule to see the effect.
Can I calculate the payoff date on a mortgage I've already been paying?
Yes. Enter your current balance and an as-of date, and the schedule starts from there instead of the original loan amount — so the payoff date reflects where you actually are today.
Is this mortgage payoff calculator free?
Yes, it's completely free, with no sign-up and no account. Every calculation runs in your browser, so none of your loan details leave your device.