01 / Your Loan
Enter your numbers. Everything recalculates as you type — nothing leaves this device.
First month of the plan.
Goes straight to principal.
Track 2 — protected. Contributions only, no growth assumed.
Track 1 — The Mortgage
Regular payment plus your extra amount, every period, straight at the balance. This is the track that ends the loan early.
Track 2 — The Savings
Your savings contribution runs beside the mortgage, untouched, the whole way. You finish with the house paid off and money in the bank.
02 / The Payoff Picture
With your extra payments vs. without them. Interest is calculated per period on the remaining balance.
Mortgage-free date — with extras
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Mortgage-free date — no extras
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Time cut from the loan
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Earlier on Track 1, same savings on Track 2.
Interest saved
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Total extra paid
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Principal attacked early, period after period.
Savings at payoff date
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Track 2 balance the day the mortgage dies.
03 / Year by Year
The plan with extras, grouped by calendar year.
| Year | Balance at year end | Interest that year | Extra paid that year |
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04 / Monthly Check-In
Once a month, log your real balance. The tracker compares it to the plan line and tells you if you're ahead or behind. Entries are saved only in this browser, on this device — they are never sent anywhere.
| Month | Plan balance | Your balance | vs. plan |
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No check-ins yet. Your first one takes ten seconds.