Mortgage acceleration calculator

Compare a chosen acceleration plan with the original monthly mortgage.

Mortgage balance

Nominal annual interest rate

Amortization (whole months)

Nominal rate compounding

Acceleration plan

Extra amount each accelerated payment

First scheduled payment

Points paid upfront

Upfront fees

Original monthly payment: $2,326.42
Accelerated payment including extra: $2,426.42
Payments to payoff: 277
Accelerated years to payoff: 23.0833
Years saved: 1.9167
Interest under acceleration: $271,496.93
Interest saved: $26,429.05
Total accelerated payments and fees: $671,496.93
Accelerated payoff date: 2049-11-01

Estimates for information only. Not financial, medical, legal or engineering advice. See the Terms.

Accelerated schedule
Payment	Due date	Amount ($)	Interest ($)	Principal ($)	Balance ($)
1.00	2026-11-01	2,426.42	1,649.57	776.85	399,223.15
2.00	2026-12-01	2,426.42	1,646.36	780.06	398,443.09
3.00	2027-01-01	2,426.42	1,643.15	783.27	397,659.81
4.00	2027-02-01	2,426.42	1,639.92	786.50	396,873.31
5.00	2027-03-01	2,426.42	1,636.67	789.75	396,083.56
6.00	2027-04-01	2,426.42	1,633.42	793.00	395,290.56
7.00	2027-05-01	2,426.42	1,630.14	796.28	394,494.28
8.00	2027-06-01	2,426.42	1,626.86	799.56	393,694.72
9.00	2027-07-01	2,426.42	1,623.56	802.86	392,891.87
10.00	2027-08-01	2,426.42	1,620.25	806.17	392,085.70
11.00	2027-09-01	2,426.42	1,616.93	809.49	391,276.21
12.00	2027-10-01	2,426.42	1,613.59	812.83	390,463.38
13.00	2027-11-01	2,426.42	1,610.24	816.18	389,647.20
14.00	2027-12-01	2,426.42	1,606.87	819.55	388,827.65
15.00	2028-01-01	2,426.42	1,603.49	822.93	388,004.72
16.00	2028-02-01	2,426.42	1,600.10	826.32	387,178.40
17.00	2028-03-01	2,426.42	1,596.69	829.73	386,348.67
18.00	2028-04-01	2,426.42	1,593.27	833.15	385,515.52
19.00	2028-05-01	2,426.42	1,589.83	836.59	384,678.93
20.00	2028-06-01	2,426.42	1,586.38	840.04	383,838.90
21.00	2028-07-01	2,426.42	1,582.92	843.50	382,995.40
22.00	2028-08-01	2,426.42	1,579.44	846.98	382,148.42
23.00	2028-09-01	2,426.42	1,575.95	850.47	381,297.94
24.00	2028-10-01	2,426.42	1,572.44	853.98	380,443.97
25.00	2028-11-01	2,426.42	1,568.92	857.50	379,586.46
26.00	2028-12-01	2,426.42	1,565.38	861.04	378,725.43
27.00	2029-01-01	2,426.42	1,561.83	864.59	377,860.84
28.00	2029-02-01	2,426.42	1,558.27	868.15	376,992.68
29.00	2029-03-01	2,426.42	1,554.69	871.73	376,120.95
30.00	2029-04-01	2,426.42	1,551.09	875.33	375,245.62
31.00	2029-05-01	2,426.42	1,547.48	878.94	374,366.68
32.00	2029-06-01	2,426.42	1,543.86	882.56	373,484.12
33.00	2029-07-01	2,426.42	1,540.22	886.20	372,597.92
34.00	2029-08-01	2,426.42	1,536.56	889.86	371,708.06
35.00	2029-09-01	2,426.42	1,532.89	893.53	370,814.53
36.00	2029-10-01	2,426.42	1,529.21	897.21	369,917.32
37.00	2029-11-01	2,426.42	1,525.51	900.91	369,016.41
38.00	2029-12-01	2,426.42	1,521.79	904.63	368,111.78
39.00	2030-01-01	2,426.42	1,518.06	908.36	367,203.42
40.00	2030-02-01	2,426.42	1,514.32	912.10	366,291.32
41.00	2030-03-01	2,426.42	1,510.55	915.87	365,375.45
42.00	2030-04-01	2,426.42	1,506.78	919.64	364,455.81
43.00	2030-05-01	2,426.42	1,502.98	923.43	363,532.37
44.00	2030-06-01	2,426.42	1,499.18	927.24	362,605.13
45.00	2030-07-01	2,426.42	1,495.35	931.07	361,674.06
46.00	2030-08-01	2,426.42	1,491.51	934.91	360,739.16
47.00	2030-09-01	2,426.42	1,487.66	938.76	359,800.40
48.00	2030-10-01	2,426.42	1,483.79	942.63	358,857.76
49.00	2030-11-01	2,426.42	1,479.90	946.52	357,911.24
50.00	2030-12-01	2,426.42	1,476.00	950.42	356,960.82
51.00	2031-01-01	2,426.42	1,472.08	954.34	356,006.47
52.00	2031-02-01	2,426.42	1,468.14	958.28	355,048.19
53.00	2031-03-01	2,426.42	1,464.19	962.23	354,085.96
54.00	2031-04-01	2,426.42	1,460.22	966.20	353,119.76
55.00	2031-05-01	2,426.42	1,456.24	970.18	352,149.58
56.00	2031-06-01	2,426.42	1,452.24	974.18	351,175.39
57.00	2031-07-01	2,426.42	1,448.22	978.20	350,197.19
58.00	2031-08-01	2,426.42	1,444.18	982.24	349,214.96
59.00	2031-09-01	2,426.42	1,440.13	986.29	348,228.67
60.00	2031-10-01	2,426.42	1,436.07	990.35	347,238.31
61.00	2031-11-01	2,426.42	1,431.98	994.44	346,243.88
62.00	2031-12-01	2,426.42	1,427.88	998.54	345,245.34
63.00	2032-01-01	2,426.42	1,423.76	1,002.66	344,242.68
64.00	2032-02-01	2,426.42	1,419.63	1,006.79	343,235.89
65.00	2032-03-01	2,426.42	1,415.48	1,010.94	342,224.94
66.00	2032-04-01	2,426.42	1,411.31	1,015.11	341,209.83
67.00	2032-05-01	2,426.42	1,407.12	1,019.30	340,190.53
68.00	2032-06-01	2,426.42	1,402.92	1,023.50	339,167.03
69.00	2032-07-01	2,426.42	1,398.70	1,027.72	338,139.30
70.00	2032-08-01	2,426.42	1,394.46	1,031.96	337,107.34
71.00	2032-09-01	2,426.42	1,390.20	1,036.22	336,071.12
72.00	2032-10-01	2,426.42	1,385.93	1,040.49	335,030.63
73.00	2032-11-01	2,426.42	1,381.64	1,044.78	333,985.85
74.00	2032-12-01	2,426.42	1,377.33	1,049.09	332,936.76
75.00	2033-01-01	2,426.42	1,373.00	1,053.42	331,883.34
76.00	2033-02-01	2,426.42	1,368.66	1,057.76	330,825.58
77.00	2033-03-01	2,426.42	1,364.30	1,062.12	329,763.46
78.00	2033-04-01	2,426.42	1,359.92	1,066.50	328,696.96
79.00	2033-05-01	2,426.42	1,355.52	1,070.90	327,626.05
80.00	2033-06-01	2,426.42	1,351.10	1,075.32	326,550.74
81.00	2033-07-01	2,426.42	1,346.67	1,079.75	325,470.98
82.00	2033-08-01	2,426.42	1,342.21	1,084.21	324,386.78
83.00	2033-09-01	2,426.42	1,337.74	1,088.68	323,298.10
84.00	2033-10-01	2,426.42	1,333.25	1,093.17	322,204.94
85.00	2033-11-01	2,426.42	1,328.75	1,097.67	321,107.26
86.00	2033-12-01	2,426.42	1,324.22	1,102.20	320,005.06
87.00	2034-01-01	2,426.42	1,319.67	1,106.75	318,898.32
88.00	2034-02-01	2,426.42	1,315.11	1,111.31	317,787.01
89.00	2034-03-01	2,426.42	1,310.53	1,115.89	316,671.11
90.00	2034-04-01	2,426.42	1,305.92	1,120.50	315,550.62
91.00	2034-05-01	2,426.42	1,301.30	1,125.12	314,425.50
92.00	2034-06-01	2,426.42	1,296.66	1,129.76	313,295.75
93.00	2034-07-01	2,426.42	1,292.01	1,134.41	312,161.33
94.00	2034-08-01	2,426.42	1,287.33	1,139.09	311,022.24
95.00	2034-09-01	2,426.42	1,282.63	1,143.79	309,878.45
96.00	2034-10-01	2,426.42	1,277.91	1,148.51	308,729.94
97.00	2034-11-01	2,426.42	1,273.18	1,153.24	307,576.70
98.00	2034-12-01	2,426.42	1,268.42	1,158.00	306,418.70
99.00	2035-01-01	2,426.42	1,263.64	1,162.78	305,255.92
100.00	2035-02-01	2,426.42	1,258.85	1,167.57	304,088.35
101.00	2035-03-01	2,426.42	1,254.03	1,172.39	302,915.97
102.00	2035-04-01	2,426.42	1,249.20	1,177.22	301,738.75
103.00	2035-05-01	2,426.42	1,244.35	1,182.07	300,556.67
104.00	2035-06-01	2,426.42	1,239.47	1,186.95	299,369.72
105.00	2035-07-01	2,426.42	1,234.58	1,191.84	298,177.88
106.00	2035-08-01	2,426.42	1,229.66	1,196.76	296,981.12
107.00	2035-09-01	2,426.42	1,224.73	1,201.69	295,779.42
108.00	2035-10-01	2,426.42	1,219.77	1,206.65	294,572.77
109.00	2035-11-01	2,426.42	1,214.79	1,211.63	293,361.15
110.00	2035-12-01	2,426.42	1,209.80	1,216.62	292,144.52
111.00	2036-01-01	2,426.42	1,204.78	1,221.64	290,922.88
112.00	2036-02-01	2,426.42	1,199.74	1,226.68	289,696.20
113.00	2036-03-01	2,426.42	1,194.68	1,231.74	288,464.47
114.00	2036-04-01	2,426.42	1,189.60	1,236.82	287,227.65
115.00	2036-05-01	2,426.42	1,184.50	1,241.92	285,985.73
116.00	2036-06-01	2,426.42	1,179.38	1,247.04	284,738.69
117.00	2036-07-01	2,426.42	1,174.24	1,252.18	283,486.51
118.00	2036-08-01	2,426.42	1,169.07	1,257.35	282,229.17
119.00	2036-09-01	2,426.42	1,163.89	1,262.53	280,966.63
120.00	2036-10-01	2,426.42	1,158.68	1,267.74	279,698.90
121.00	2036-11-01	2,426.42	1,153.45	1,272.97	278,425.93
122.00	2036-12-01	2,426.42	1,148.21	1,278.21	277,147.72
123.00	2037-01-01	2,426.42	1,142.93	1,283.49	275,864.23
124.00	2037-02-01	2,426.42	1,137.64	1,288.78	274,575.45
125.00	2037-03-01	2,426.42	1,132.33	1,294.09	273,281.36
126.00	2037-04-01	2,426.42	1,126.99	1,299.43	271,981.93
127.00	2037-05-01	2,426.42	1,121.63	1,304.79	270,677.14
128.00	2037-06-01	2,426.42	1,116.25	1,310.17	269,366.97
129.00	2037-07-01	2,426.42	1,110.85	1,315.57	268,051.39
130.00	2037-08-01	2,426.42	1,105.42	1,321.00	266,730.39
131.00	2037-09-01	2,426.42	1,099.97	1,326.45	265,403.95
132.00	2037-10-01	2,426.42	1,094.50	1,331.92	264,072.03
133.00	2037-11-01	2,426.42	1,089.01	1,337.41	262,734.62
134.00	2037-12-01	2,426.42	1,083.50	1,342.92	261,391.70
135.00	2038-01-01	2,426.42	1,077.96	1,348.46	260,043.24
136.00	2038-02-01	2,426.42	1,072.40	1,354.02	258,689.21
137.00	2038-03-01	2,426.42	1,066.81	1,359.61	257,329.60
138.00	2038-04-01	2,426.42	1,061.21	1,365.21	255,964.39
139.00	2038-05-01	2,426.42	1,055.58	1,370.84	254,593.55
140.00	2038-06-01	2,426.42	1,049.92	1,376.50	253,217.05
141.00	2038-07-01	2,426.42	1,044.25	1,382.17	251,834.87
142.00	2038-08-01	2,426.42	1,038.55	1,387.87	250,447.00
143.00	2038-09-01	2,426.42	1,032.82	1,393.60	249,053.40
144.00	2038-10-01	2,426.42	1,027.08	1,399.34	247,654.06
145.00	2038-11-01	2,426.42	1,021.30	1,405.12	246,248.94
146.00	2038-12-01	2,426.42	1,015.51	1,410.91	244,838.03
147.00	2039-01-01	2,426.42	1,009.69	1,416.73	243,421.30
148.00	2039-02-01	2,426.42	1,003.85	1,422.57	241,998.73
149.00	2039-03-01	2,426.42	997.98	1,428.44	240,570.29
150.00	2039-04-01	2,426.42	992.09	1,434.33	239,135.97
151.00	2039-05-01	2,426.42	986.18	1,440.24	237,695.72
152.00	2039-06-01	2,426.42	980.24	1,446.18	236,249.54
153.00	2039-07-01	2,426.42	974.27	1,452.15	234,797.39
154.00	2039-08-01	2,426.42	968.28	1,458.14	233,339.26
155.00	2039-09-01	2,426.42	962.27	1,464.15	231,875.11
156.00	2039-10-01	2,426.42	956.23	1,470.19	230,404.92
157.00	2039-11-01	2,426.42	950.17	1,476.25	228,928.67
158.00	2039-12-01	2,426.42	944.08	1,482.34	227,446.34
159.00	2040-01-01	2,426.42	937.97	1,488.45	225,957.88
160.00	2040-02-01	2,426.42	931.83	1,494.59	224,463.30
161.00	2040-03-01	2,426.42	925.67	1,500.75	222,962.54
162.00	2040-04-01	2,426.42	919.48	1,506.94	221,455.60
163.00	2040-05-01	2,426.42	913.26	1,513.16	219,942.45
164.00	2040-06-01	2,426.42	907.02	1,519.40	218,423.05
165.00	2040-07-01	2,426.42	900.76	1,525.66	216,897.39
166.00	2040-08-01	2,426.42	894.47	1,531.95	215,365.44
167.00	2040-09-01	2,426.42	888.15	1,538.27	213,827.16
168.00	2040-10-01	2,426.42	881.81	1,544.61	212,282.55
169.00	2040-11-01	2,426.42	875.44	1,550.98	210,731.57
170.00	2040-12-01	2,426.42	869.04	1,557.38	209,174.18
171.00	2041-01-01	2,426.42	862.62	1,563.80	207,610.38
172.00	2041-02-01	2,426.42	856.17	1,570.25	206,040.13
173.00	2041-03-01	2,426.42	849.69	1,576.73	204,463.40
174.00	2041-04-01	2,426.42	843.19	1,583.23	202,880.17
175.00	2041-05-01	2,426.42	836.66	1,589.76	201,290.41
176.00	2041-06-01	2,426.42	830.10	1,596.32	199,694.10
177.00	2041-07-01	2,426.42	823.52	1,602.90	198,091.20
178.00	2041-08-01	2,426.42	816.91	1,609.51	196,481.69
179.00	2041-09-01	2,426.42	810.27	1,616.15	194,865.54
180.00	2041-10-01	2,426.42	803.61	1,622.81	193,242.73
181.00	2041-11-01	2,426.42	796.92	1,629.50	191,613.23
182.00	2041-12-01	2,426.42	790.20	1,636.22	189,977.01
183.00	2042-01-01	2,426.42	783.45	1,642.97	188,334.03
184.00	2042-02-01	2,426.42	776.67	1,649.75	186,684.29
185.00	2042-03-01	2,426.42	769.87	1,656.55	185,027.74
186.00	2042-04-01	2,426.42	763.04	1,663.38	183,364.36
187.00	2042-05-01	2,426.42	756.18	1,670.24	181,694.12
188.00	2042-06-01	2,426.42	749.29	1,677.13	180,016.99
189.00	2042-07-01	2,426.42	742.37	1,684.05	178,332.94
190.00	2042-08-01	2,426.42	735.43	1,690.99	176,641.95
191.00	2042-09-01	2,426.42	728.46	1,697.96	174,943.99
192.00	2042-10-01	2,426.42	721.45	1,704.97	173,239.02
193.00	2042-11-01	2,426.42	714.42	1,712.00	171,527.03
194.00	2042-12-01	2,426.42	707.36	1,719.06	169,807.97
195.00	2043-01-01	2,426.42	700.27	1,726.15	168,081.82
196.00	2043-02-01	2,426.42	693.16	1,733.26	166,348.56
197.00	2043-03-01	2,426.42	686.01	1,740.41	164,608.15
198.00	2043-04-01	2,426.42	678.83	1,747.59	162,860.56
199.00	2043-05-01	2,426.42	671.62	1,754.80	161,105.76
200.00	2043-06-01	2,426.42	664.39	1,762.03	159,343.73
201.00	2043-07-01	2,426.42	657.12	1,769.30	157,574.43
202.00	2043-08-01	2,426.42	649.82	1,776.60	155,797.83
203.00	2043-09-01	2,426.42	642.50	1,783.92	154,013.91
204.00	2043-10-01	2,426.42	635.14	1,791.28	152,222.63
205.00	2043-11-01	2,426.42	627.75	1,798.67	150,423.96
206.00	2043-12-01	2,426.42	620.34	1,806.08	148,617.88
207.00	2044-01-01	2,426.42	612.89	1,813.53	146,804.34
208.00	2044-02-01	2,426.42	605.41	1,821.01	144,983.33
209.00	2044-03-01	2,426.42	597.90	1,828.52	143,154.81
210.00	2044-04-01	2,426.42	590.36	1,836.06	141,318.75
211.00	2044-05-01	2,426.42	582.79	1,843.63	139,475.12
212.00	2044-06-01	2,426.42	575.18	1,851.24	137,623.88
213.00	2044-07-01	2,426.42	567.55	1,858.87	135,765.01
214.00	2044-08-01	2,426.42	559.88	1,866.54	133,898.47
215.00	2044-09-01	2,426.42	552.19	1,874.23	132,024.24
216.00	2044-10-01	2,426.42	544.46	1,881.96	130,142.28
217.00	2044-11-01	2,426.42	536.70	1,889.72	128,252.55
218.00	2044-12-01	2,426.42	528.90	1,897.52	126,355.04
219.00	2045-01-01	2,426.42	521.08	1,905.34	124,449.69
220.00	2045-02-01	2,426.42	513.22	1,913.20	122,536.49
221.00	2045-03-01	2,426.42	505.33	1,921.09	120,615.40
222.00	2045-04-01	2,426.42	497.41	1,929.01	118,686.39
223.00	2045-05-01	2,426.42	489.45	1,936.97	116,749.42
224.00	2045-06-01	2,426.42	481.46	1,944.96	114,804.47
225.00	2045-07-01	2,426.42	473.44	1,952.98	112,851.49
226.00	2045-08-01	2,426.42	465.39	1,961.03	110,890.46
227.00	2045-09-01	2,426.42	457.30	1,969.12	108,921.35
228.00	2045-10-01	2,426.42	449.18	1,977.24	106,944.11
229.00	2045-11-01	2,426.42	441.03	1,985.39	104,958.72
230.00	2045-12-01	2,426.42	432.84	1,993.58	102,965.14
231.00	2046-01-01	2,426.42	424.62	2,001.80	100,963.34
232.00	2046-02-01	2,426.42	416.36	2,010.06	98,953.28
233.00	2046-03-01	2,426.42	408.07	2,018.34	96,934.94
234.00	2046-04-01	2,426.42	399.75	2,026.67	94,908.27
235.00	2046-05-01	2,426.42	391.39	2,035.03	92,873.24
236.00	2046-06-01	2,426.42	383.00	2,043.42	90,829.82
237.00	2046-07-01	2,426.42	374.57	2,051.85	88,777.98
238.00	2046-08-01	2,426.42	366.11	2,060.31	86,717.67
239.00	2046-09-01	2,426.42	357.62	2,068.80	84,648.87
240.00	2046-10-01	2,426.42	349.08	2,077.34	82,571.53
241.00	2046-11-01	2,426.42	340.52	2,085.90	80,485.63
242.00	2046-12-01	2,426.42	331.92	2,094.50	78,391.13
243.00	2047-01-01	2,426.42	323.28	2,103.14	76,287.98
244.00	2047-02-01	2,426.42	314.61	2,111.81	74,176.17
245.00	2047-03-01	2,426.42	305.90	2,120.52	72,055.65
246.00	2047-04-01	2,426.42	297.15	2,129.27	69,926.38
247.00	2047-05-01	2,426.42	288.37	2,138.05	67,788.33
248.00	2047-06-01	2,426.42	279.55	2,146.87	65,641.46
249.00	2047-07-01	2,426.42	270.70	2,155.72	63,485.74
250.00	2047-08-01	2,426.42	261.81	2,164.61	61,321.13
251.00	2047-09-01	2,426.42	252.88	2,173.54	59,147.59
252.00	2047-10-01	2,426.42	243.92	2,182.50	56,965.09
253.00	2047-11-01	2,426.42	234.92	2,191.50	54,773.59
254.00	2047-12-01	2,426.42	225.88	2,200.54	52,573.06
255.00	2048-01-01	2,426.42	216.81	2,209.61	50,363.44
256.00	2048-02-01	2,426.42	207.69	2,218.73	48,144.72
257.00	2048-03-01	2,426.42	198.54	2,227.88	45,916.84
258.00	2048-04-01	2,426.42	189.36	2,237.06	43,679.78
259.00	2048-05-01	2,426.42	180.13	2,246.29	41,433.49
260.00	2048-06-01	2,426.42	170.87	2,255.55	39,177.94
261.00	2048-07-01	2,426.42	161.57	2,264.85	36,913.09
262.00	2048-08-01	2,426.42	152.23	2,274.19	34,638.89
263.00	2048-09-01	2,426.42	142.85	2,283.57	32,355.32
264.00	2048-10-01	2,426.42	133.43	2,292.99	30,062.33
265.00	2048-11-01	2,426.42	123.97	2,302.45	27,759.88
266.00	2048-12-01	2,426.42	114.48	2,311.94	25,447.94
267.00	2049-01-01	2,426.42	104.95	2,321.47	23,126.47
268.00	2049-02-01	2,426.42	95.37	2,331.05	20,795.42
269.00	2049-03-01	2,426.42	85.76	2,340.66	18,454.76
270.00	2049-04-01	2,426.42	76.11	2,350.31	16,104.45
271.00	2049-05-01	2,426.42	66.41	2,360.01	13,744.44
272.00	2049-06-01	2,426.42	56.68	2,369.74	11,374.70
273.00	2049-07-01	2,426.42	46.91	2,379.51	8,995.19
274.00	2049-08-01	2,426.42	37.10	2,389.32	6,605.86
275.00	2049-09-01	2,426.42	27.24	2,399.18	4,206.69
276.00	2049-10-01	2,426.42	17.35	2,409.07	1,797.61
277.00	2049-11-01	1,805.03	7.41	1,797.61	0.00

How this calculator works

Choose a recurring monthly overpayment or a built-in accelerated weekly or biweekly schedule. The extra amount is paid every selected period. The baseline remains the original monthly payment with no extra amount. The schedule caps the last payment at the amount due and reports interest savings separately from fees. Check contractual prepayment privileges before using the plan.

Formula

Monthly base payment A = P × i / (1 - (1 + i)^(-N)). Accelerated biweekly base = A/2, weekly base = A/4. Planned payment = accelerated base + extra. Time saved = baseline years - accelerated payment count / payments per year. Interest saved = baseline interest - accelerated interest.

Worked example

At 0%, a $1,200 balance over twelve months needs $100 monthly. A $25 monthly overpayment pays it off in ten payments: nine of $125 and one of $75. Accelerated weekly payments of $25 clear it in 48 payments.

Frequently asked questions

Does acceleration change my interest rate?

No. This estimate changes payment timing and principal reduction while holding the nominal rate constant.

How often is the extra amount paid?

Every payment under the selected plan. A $100 weekly extra is much larger over a year than a $100 monthly extra.

Are fees included in interest saved?

No. Fees and points appear in total cash paid. The interest-saved figure isolates interest only.

Sources

Written byAmira MansourCalculator writer. Builds and tests Mathulate calculators against published sources.

Reviewed byDavid Tremblay, CFAMortgage analyst. Checks formulas and worked examples against lender schedules.

Last updated November 1, 2026.