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Loan Calculator With Extra Payment

Loan calculator with extra payments is used to how early you can payoff your loan with additional payments each period. You have the option to use an one time extra payment, or recurring extra payments.

Extra Payment Loan Calculator

Loan Amount
$
Loan Terms
Interest Rate
Payment Frequency
First Payment Date

Amortization schedule
Extra Payments
One Time
$ On Date
Monthly or Biweekly
$ Starting Date
Quarterly
$ Starting Date
Yearly
$ Starting Date


Loan Calculator Results

Loan Amount: $100,000.00
Monthly Principal & Interest: $1,287.53
Monthly Extra Payment: $150.00
Total Monthly Payment:
$1,437.53
Total # Of Payments: 84
Start Date: Mar, 2024
Payoff Date: Feb, 2031
Principal: $87,550.00
Total Extra Payment: $12,450.00
Total Interest Paid: $20,457.04
Total of all Payments:
$132,907.04

Loan Amortization Schedule

Payment Date Payment # Interest Principal Extra Payment Total Payment Balance
Mar, 2024 1 $454.17 $833.36 $150.00 $1,437.53 $99,016.64
Apr, 2024 2 $449.70 $837.83 $150.00 $1,437.53 $98,028.82
May, 2024 3 $445.21 $842.31 $150.00 $1,437.53 $97,036.50
Jun, 2024 4 $440.71 $846.82 $150.00 $1,437.53 $96,039.68
Jul, 2024 5 $436.18 $851.35 $150.00 $1,437.53 $95,038.34
Aug, 2024 6 $431.63 $855.89 $150.00 $1,437.53 $94,032.45
Sep, 2024 7 $427.06 $860.46 $150.00 $1,437.53 $93,021.98
Oct, 2024 8 $422.47 $865.05 $150.00 $1,437.53 $92,006.93
Nov, 2024 9 $417.86 $869.66 $150.00 $1,437.53 $90,987.27
Dec, 2024 10 $413.23 $874.29 $150.00 $1,437.53 $89,962.98
Jan, 2025 11 $408.58 $878.94 $150.00 $1,437.53 $88,934.03
Feb, 2025 12 $403.91 $883.62 $150.00 $1,437.53 $87,900.42
Mar, 2025 13 $399.21 $888.31 $150.00 $1,437.53 $86,862.11
Apr, 2025 14 $394.50 $893.03 $150.00 $1,437.53 $85,819.08
May, 2025 15 $389.76 $897.76 $150.00 $1,437.53 $84,771.31
Jun, 2025 16 $385.00 $902.52 $150.00 $1,437.53 $83,718.79
Jul, 2025 17 $380.22 $907.30 $150.00 $1,437.53 $82,661.49
Aug, 2025 18 $375.42 $912.11 $150.00 $1,437.53 $81,599.38
Sep, 2025 19 $370.60 $916.93 $150.00 $1,437.53 $80,532.45
Oct, 2025 20 $365.75 $921.77 $150.00 $1,437.53 $79,460.68
Nov, 2025 21 $360.88 $926.64 $150.00 $1,437.53 $78,384.04
Dec, 2025 22 $355.99 $931.53 $150.00 $1,437.53 $77,302.51
Jan, 2026 23 $351.08 $936.44 $150.00 $1,437.53 $76,216.06
Feb, 2026 24 $346.15 $941.38 $150.00 $1,437.53 $75,124.68
Mar, 2026 25 $341.19 $946.33 $150.00 $1,437.53 $74,028.35
Apr, 2026 26 $336.21 $951.31 $150.00 $1,437.53 $72,927.04
May, 2026 27 $331.21 $956.32 $150.00 $1,437.53 $71,820.72
Jun, 2026 28 $326.19 $961.34 $150.00 $1,437.53 $70,709.38
Jul, 2026 29 $321.14 $966.39 $150.00 $1,437.53 $69,592.99
Aug, 2026 30 $316.07 $971.46 $150.00 $1,437.53 $68,471.53
Sep, 2026 31 $310.97 $976.55 $150.00 $1,437.53 $67,344.98
Oct, 2026 32 $305.86 $981.67 $150.00 $1,437.53 $66,213.32
Nov, 2026 33 $300.72 $986.81 $150.00 $1,437.53 $65,076.51
Dec, 2026 34 $295.56 $991.97 $150.00 $1,437.53 $63,934.54
Jan, 2027 35 $290.37 $997.16 $150.00 $1,437.53 $62,787.38
Feb, 2027 36 $285.16 $1,002.37 $150.00 $1,437.53 $61,635.02
Mar, 2027 37 $279.93 $1,007.60 $150.00 $1,437.53 $60,477.41
Apr, 2027 38 $274.67 $1,012.86 $150.00 $1,437.53 $59,314.56
May, 2027 39 $269.39 $1,018.14 $150.00 $1,437.53 $58,146.42
Jun, 2027 40 $264.08 $1,023.44 $150.00 $1,437.53 $56,972.97
Jul, 2027 41 $258.75 $1,028.77 $150.00 $1,437.53 $55,794.20
Aug, 2027 42 $253.40 $1,034.13 $150.00 $1,437.53 $54,610.07
Sep, 2027 43 $248.02 $1,039.51 $150.00 $1,437.53 $53,420.57
Oct, 2027 44 $242.62 $1,044.91 $150.00 $1,437.53 $52,225.66
Nov, 2027 45 $237.19 $1,050.33 $150.00 $1,437.53 $51,025.33
Dec, 2027 46 $231.74 $1,055.79 $150.00 $1,437.53 $49,819.54
Jan, 2028 47 $226.26 $1,061.26 $150.00 $1,437.53 $48,608.28
Feb, 2028 48 $220.76 $1,066.76 $150.00 $1,437.53 $47,391.51
Mar, 2028 49 $215.24 $1,072.29 $150.00 $1,437.53 $46,169.22
Apr, 2028 50 $209.69 $1,077.84 $150.00 $1,437.53 $44,941.38
May, 2028 51 $204.11 $1,083.42 $150.00 $1,437.53 $43,707.97
Jun, 2028 52 $198.51 $1,089.02 $150.00 $1,437.53 $42,468.95
Jul, 2028 53 $192.88 $1,094.65 $150.00 $1,437.53 $41,224.30
Aug, 2028 54 $187.23 $1,100.30 $150.00 $1,437.53 $39,974.00
Sep, 2028 55 $181.55 $1,105.98 $150.00 $1,437.53 $38,718.02
Oct, 2028 56 $175.84 $1,111.68 $150.00 $1,437.53 $37,456.34
Nov, 2028 57 $170.11 $1,117.41 $150.00 $1,437.53 $36,188.93
Dec, 2028 58 $164.36 $1,123.17 $150.00 $1,437.53 $34,915.76
Jan, 2029 59 $158.58 $1,128.95 $150.00 $1,437.53 $33,636.81
Feb, 2029 60 $152.77 $1,134.76 $150.00 $1,437.53 $32,352.05
Mar, 2029 61 $146.93 $1,140.59 $150.00 $1,437.53 $31,061.46
Apr, 2029 62 $141.07 $1,146.46 $150.00 $1,437.53 $29,765.01
May, 2029 63 $135.18 $1,152.34 $150.00 $1,437.53 $28,462.66
Jun, 2029 64 $129.27 $1,158.26 $150.00 $1,437.53 $27,154.40
Jul, 2029 65 $123.33 $1,164.20 $150.00 $1,437.53 $25,840.20
Aug, 2029 66 $117.36 $1,170.17 $150.00 $1,437.53 $24,520.04
Sep, 2029 67 $111.36 $1,176.16 $150.00 $1,437.53 $23,193.87
Oct, 2029 68 $105.34 $1,182.19 $150.00 $1,437.53 $21,861.68
Nov, 2029 69 $99.29 $1,188.24 $150.00 $1,437.53 $20,523.45
Dec, 2029 70 $93.21 $1,194.32 $150.00 $1,437.53 $19,179.13
Jan, 2030 71 $87.11 $1,200.42 $150.00 $1,437.53 $17,828.71
Feb, 2030 72 $80.97 $1,206.55 $150.00 $1,437.53 $16,472.16
Mar, 2030 73 $74.81 $1,212.71 $150.00 $1,437.53 $15,109.44
Apr, 2030 74 $68.62 $1,218.90 $150.00 $1,437.53 $13,740.54
May, 2030 75 $62.40 $1,225.12 $150.00 $1,437.53 $12,365.42
Jun, 2030 76 $56.16 $1,231.37 $150.00 $1,437.53 $10,984.05
Jul, 2030 77 $49.89 $1,237.64 $150.00 $1,437.53 $9,596.41
Aug, 2030 78 $43.58 $1,243.94 $150.00 $1,437.53 $8,202.47
Sep, 2030 79 $37.25 $1,250.27 $150.00 $1,437.53 $6,802.19
Oct, 2030 80 $30.89 $1,256.63 $150.00 $1,437.53 $5,395.56
Nov, 2030 81 $24.50 $1,263.02 $150.00 $1,437.53 $3,982.54
Dec, 2030 82 $18.09 $1,269.44 $150.00 $1,437.53 $2,563.10
Jan, 2031 83 $11.64 $1,275.89 $150.00 $1,437.53 $1,137.22
Feb, 2031 84 $5.16 $1,137.22 $0.00 $1,142.38 $0.00

Compare Monthly vs. Bi-weekly

Payment Frequency Monthly Bi-weekly
Payments / Year 12 26
Each Payment $1,437.53 $793.76
Total Extra Payments $12,450.00 $21,900.00
Total Interest $20,457.04 $16,235.72
Total Payment $120,457.04 $116,235.72
Total Savings $0 $4,221.32
Payoff Date Feb, 2031 Oct, 2029

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