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MASTER YOUR LOANS. pay less. get out faster.

Six precision calculators that show you exactly what your loans are costing - and the exact strategies to slash that number.

Start Calculating Credit Card Velocity →
MORTGAGE PAYOFF - $575,000 @ 7.0% - 30 YR
Payment/mo
$3,826
Total Interest
$ -
Saveable
$ -
Standard PayoffJan 2056 · 360 payments
$824,310 total interest100% of baseline
Bi-Weekly + $500/mo ExtraMar 2050 · 288 payments
$580,490 total interestsaves $243,820
Quick Scenarios
No extra paymentsJan 2056baseline
+$100 / monthSep 2053−$54k
+$500 / monthAug 2049−$143k★ best
Bi-weekly onlyOct 2053−$71k
Mortgage Bi-Weekly → Save $71k+
True ADB Calculation → Not an approximation
Velocity+ Cascade Banking → All Cards Simultaneously
All 50 State Tax Rates → True Out-the-Door Cost
Excel & CSV Export → Standard vs Accelerated
Title Loan Rollover Risk → 300% APR Exposed
Negative Trade-In Equity → Revealed Before You Sign
Custom Deposit Schedule → Salary + Freelance
Mortgage Bi-Weekly → Save $71k+
True ADB Calculation → Not an approximation
Velocity+ Cascade Banking → All Cards Simultaneously
All 50 State Tax Rates → True Out-the-Door Cost
Excel & CSV Export → Standard vs Accelerated
Title Loan Rollover Risk → 300% APR Exposed
Negative Trade-In Equity → Revealed Before You Sign
Custom Deposit Schedule → Salary + Freelance
The Calculators

Six tools.
One mission.

Built deeper than every other free calculator. Real math, real strategies, real savings.

★ Most Used
🏡
Mortgage Payoff
PMI detection, true bi-weekly (26 periods at annualRate÷26), existing loan fast-forward with past payment history, extra payment sliders, full year-by-year amortization with CSV/Excel export.
$143k
Avg Saveable
6y
Time Saved
→ Open calculator
Most Advanced
💳
Credit Card Payoff
Avalanche, snowball, velocity+ cascade - income flows through all cards in APR order with true ADB per card. Bill cycling, balance transfers, custom multi-deposit schedules (salary day 1, freelance day 15…).
→ Open calculator
Payoff
🚗
Car Loan Payoff
True bi-weekly interest simulation, LTV badge, full amortization with export.
→ Open calculator
Purchase
🚘
Car Purchase
True out-the-door cost - all 50 state tax rates, trade-in equity, negative equity, doc fees, 6-term comparison.
→ Open calculator
Payoff
📋
Personal Loan
6–84 month terms, true bi-weekly, extra payments, side-by-side export.
→ Open calculator
⚠ Risk Tool
🔑
Title Loan
Rollover danger, LTV ratio, 300% APR presets, alternatives comparison.
→ Open calculator
01 / 03
⚡
True Bi-Weekly Math
Every other free calculator fakes bi-weekly as "add 1/12 extra per month." Ours runs 26 true periods at annualRate÷26 - interest accrues every two weeks. The savings gap is thousands of dollars.
02 / 03
💳
Velocity+ Cascade Banking
The only free tool with true Average Daily Balance simulation. Income cascades through all cards in APR order. Each card's ADB reflects your actual deposit timing and spend frequency.
03 / 03
📊
Exportable Amortization
Download side-by-side CSV or Excel - standard payoff vs your accelerated plan, every month mapped out with cumulative interest saved and running totals.
6
Calculators
$0
Cost to Use
50
State Tax Rates
$143k
Max Interest Savings
How It Works

Loan details to
a plan in 60 seconds.

01
Enter Your Loan
Balance, rate, term, start date. Mortgage users add home price and down payment - PMI flagged automatically when below 20%.
02
See the True Cost
Total interest, exact monthly payment, and payoff date computed instantly. The number usually surprises people.
03
Dial Up Strategies
Slide extra payments, toggle bi-weekly, or click any Quick Scenario row to load it. Watch interest and payoff date update live.
04
Export Your Plan
One click downloads side-by-side Excel or CSV - standard vs accelerated payoff, every month mapped out.
loanhacking.io/mortgage
Home Price
$650,000 USD
Down Payment
$130,000 20.0% ✓ No PMI
Loan Amount
$520,000 financed
Payment
$3,458/mo
Total Interest
$725,040
Payoff
Apr 2055
Real Results

People who ran
the real numbers.

"Ran my numbers and bi-weekly payments shave $71k off my interest and I'd be done 6 years sooner. Most sites just estimate that - this one actually does the real math with 26 periods."
M
Marcus T.
Homeowner · Texas
"Set it to dump my whole paycheck onto my Visa on the 1st and it showed me I'd save $4,200 this year across three cards. Didn't even know that was a strategy until I found this."
S
Serena K.
Paying off $22k · Florida
"Turns out my trade-in was underwater and the dealer was just rolling that negative equity into the new loan without really explaining it. The breakdown here made it obvious. Walked away from a bad deal."
J
James R.
Car Buyer · Ohio
Ready

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Start today.

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