Free tool
How much sooner you'd be mortgage-free with an extra monthly payment — and exactly how much interest it saves.
Uses your remaining balance and term — not the original loan. Principal & interest only.
Every extra dollar goes straight to principal, so next month's interest is charged on a smaller balance. That compounding effect is why modest extra payments early in a loan save far more than the same payments made later. Some servicers apply extra money to future payments instead of principal unless you tell them otherwise — worth checking how yours handles it.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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