Est. term · 30-yr fixed

Zenca Payoff Planner

See exactly what an extra dollar toward principal — monthly, once a year, or via biweekly payments — buys you in interest and years off a 30-year mortgage.

Your loan

Loan amount $350,000

Interest rate 6.50%

Base monthly payment (principal & interest) $0

Extra toward principal

Extra each month $150

Extra lump sum, once a year $1,500

Also compare a biweekly payment plan (half the monthly payment, every two weeks — 26 payments a year instead of 12)

Your custom plan saves

in interest vs. the standard 30-year schedule

Payoff moves up 0 yrs, 0 mo

New payoff date is year 30

Payoff ruler

Each bar is how far along the 30-year tape a strategy reaches before the loan is paid off.

Strategy	Payoff time	Total interest paid	Interest saved	Time saved