Mortgage Payoff Calculator
Add your properties, choose strategies, and run the analysis.
No properties added yet. Click "+ Add Property" above to enter your rentals one at a time, or "Import Excel/CSV" to load from a spreadsheet.
Want to see how it works first?
Loads a demo portfolio with 8 rentals so you can explore all the features.
How to Use This Tool
▼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.
Extra Monthly Payment
How much extra can you put toward your mortgages each month above and beyond all your minimum required payments? This is the additional money that will be strategically directed to pay down your properties faster.
Tip: Not sure what to enter? Click the button below to use your portfolio net cash flow as your extra payment amount.
🎯 Goal Calculator
Want everything paid off by a certain year? Enter your target and I will tell you how much extra per month you need.
Select Strategies to Compare
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.
Cash Flow Analysis
See how your monthly cash flow grows as each property is paid off.
Add properties and run an analysis to see your cash flow projections.
Refinance Scenario Planner
Compare your current mortgage terms against a potential refinance.
Equity Tracker
Track your portfolio equity, LTV ratios, and projected growth over time.
What If I Sell?
See how selling a property and applying proceeds accelerates your payoff.
Export Portfolio Report
Generate a polished PDF report to share with partners, accountants, or for your records.
Select sections to include:
Report opens in a new window for printing or saving as PDF.
Run an analysis first, then view detailed month-by-month schedules here.
Save & Load Your Data
Your data is automatically saved in this browser. You can also export to a file for backup or to use on another device.
Import from Excel or CSV
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
Clear All Data
This will remove all properties and settings. This cannot be undone.
Your data is automatically saved in this browser. It will be here next time you visit, no account needed. Just don't clear your browsing data.
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