Tool 02 · Free for everyone
Payoff Calculator
The maths the whole program runs on. Move the sliders and watch what a surplus — any surplus — does to the term and the total interest on your loan.
$650,000
6.00% p.a.
$500/mo
Assumes principal-and-interest repayments at a constant rate over a 30-year term, interest compounding monthly. General information only — not personal advice or a quote.
Debt-free
7 yrs 6 mths
sooner
Interest kept
$218,303
stays in your pocket
30 yrs → 22 yrs 6 mths · interest $752,948 → $534,645
Show me how to find that $500/mo — FREE
The program's AI audit finds the surplus. The automation makes it stick. Or let Crown Money do it with you →
Reading the result honestly
- The model assumes a constant interest rate for the life of the loan. Real rates move, which changes the timing but not the direction.
- It assumes principal-and-interest repayments, monthly compounding, and that every extra dollar goes in and stays in.
- Money in an offset account behaves almost identically to money paid off the loan, while remaining available to you — which is why the program prefers it.
- This is general information, not a quote, a product recommendation, or personal advice. Your lender's figures are the ones that count.