Payoff Date Calculator
Enter loan balance, rate, term, optional extra payment, and start date. See the payoff month and approximate date.
Payoff date
Enter values to calculate.
How it works
We compute months to payoff from the formula with base payment + extra, then add that many months to the start date.
When to use it
Use it to plan when you'll be debt-free or to see how extra payments change the date.
Frequently asked questions
Exact calendar date?
We add months to start date; payment due dates may vary by lender.
Same as mortgage payoff?
Same math; this one emphasizes the calendar date.