Free mortgage payoff calculator to evaluate options to pay off a mortgage earlier, such as extra payments, bi-weekly payments, or paying back altogether. Use SmartAsset's free New York mortgage loan calculator to determine your monthly payments, including PMI, homeowners insurance, taxes, interest and more.The mortgage payoff calculator helps you find out. 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 our extra payment calculator to see the potential impact an additional payment will have on your long-term finances. RBC Royal Bank's easy-to-use mortgage calculators and tools can help you estimate your payments and how much you can afford. Tax credits and deductions, filing status and residency status can influence what you pay.