The mortgage payoff calculator helps you find out. How To Pay Off My Mortgage Early.What if I Pay More Every Month? But you have to explicitly tell your lenders to apply your extra payments to your principal vs. Making extra mortgage payments can help pay off your mortgage early and save money on interest. Does prepaying make sense? Simply enter information about your mortgage loan and how much extra you plan to pay toward your principal balance. Minnesota National Bank's Early Mortgage Payoff Calculator will show you what it will take to pay off your mortgage early. This Early Mortgage Payoff Calculator helps you find out. The Payment to Payoff Program allows you to pay on your mortgage every two weeks.