Free mortgage payoff calculator to evaluate options to pay off a mortgage earlier, such as extra payments, bi-weekly payments, or paying back altogether. Additional principal payment.Want to pay off your mortgage faster? Our calculator shows how extra payments can save you money and shorten your term. Use our free mortgage calculator to easily estimate your monthly payment. See which type of mortgage is right for you and how much house you can afford. Use SmartAsset's free Texas mortgage loan calculator to determine your monthly payments, including PMI, homeowners insurance, taxes, interest and more. Get access to direct deposit forms, automatic bill payment forms, and loan management from BMO. Use the extra payment calculator below to help determine how advantageous it is to pay a little extra each month toward your mortgage.