Compare strategies to pay off your rental properties faster and save thousands in interest
No properties added yet. Click "Add Property" or "Import Excel/CSV" to get started.
Click "+ Add Property" to enter properties one at a time, or click "Import Excel/CSV" to load them all from a spreadsheet. For each property, you need at minimum: Name, Current Balance, Interest Rate, and Monthly Payment. You can also enter rental income and expenses to track cash flow.
Go to the "Strategy" tab and enter how much extra money you can put toward mortgages each month (above and beyond your normal minimum payments). This is the money that accelerates your payoff.
Click "Run Analysis" on the Strategy tab. The tool automatically tests all 7 payoff strategies and tells you which one pays off everything the fastest and saves the most interest. Results include charts, rankings, and month-by-month amortization schedules.
The importer works with most spreadsheet formats. It auto-detects column headers and handles special layouts (like Robert's "Total Debt" spreadsheet). It skips paid-off properties, HOA rows, vehicles, and non-mortgage items automatically. Click "Download Template" to get a sample CSV you can fill in.
Enter the total extra amount you can put toward mortgage payoff each month, above and beyond all minimum payments. If you entered rental income and expenses for your properties, the net cash flow is shown below as a reference.
Tip: You can use the "Use Cash Flow" button to set your extra payment to your total net cash flow.
Choose one or more strategies. The results tab will compare them side by side.
Run an analysis from the Strategy tab to see results here.
Run an analysis first, then view detailed month-by-month schedules here.
Your data is automatically saved in this browser. You can also export to a file for backup or to use on another device.
Import properties from a spreadsheet. Your file should have columns for the property details. The importer is flexible and will try to match common column names automatically.
Required columns: Property Name, Current Balance, Interest Rate, Monthly Payment
Optional columns: Property Value, Original Loan, Loan Term, Start Date, Rental Income, Expenses, Escrow
This will remove all properties and settings. This cannot be undone.