The mortgage payoff calculator helps you find out. Free mortgage payoff calculator to evaluate options to pay off a mortgage earlier, such as extra payments, bi-weekly payments, or paying back altogether.NerdWallet's early mortgage payoff calculator figures out how much more to pay. Depending on your lender, you may have to sign in to an online account, call a helpline, or send a formal letter to start the request process. Use the extra payment calculator below to help determine how advantageous it is to pay a little extra each month toward your mortgage. This guide will help you learn mortgage math, allowing you to confidently calculate how much you need to pay off your mortgage. Invest those extra principal payments in an investment grade vehicle that will pay interest and compound over time. Not the stock market! Before committing to accelerated payments, it's best to ensure you have sufficient savings and aren't neglecting higherinterest debt.