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.This calculator allows you to enter an initial lump-sum extra payment along with extra monthly payments which coincide with your regular monthly payments. NerdWallet's early mortgage payoff calculator figures out how much more to pay. This guide will help you learn mortgage math, allowing you to confidently calculate how much you need to pay off your mortgage. 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 early mortgage payoff calculator with extra payments to see how upping your payments may impact the total cost and length of your home loan. The mortgage payoff calculator helps you find out. There are three fields to fill in: home price, down payment and mortgage interest rate.