Built by a mathematics education professor. Works offline. One payment.
Type in your loan once. The Payoff Planner Pro ranks every move open to you, from extra payments and dropping PMI to when to claim Social Security, puts a price on each one, and writes the letter to your servicer.
Installs on Windows, Mac, iPhone, iPad and Android in about twenty seconds.
Move the slider. Watch the month your house is paid off.
Principal and interest only, first payment next month. Nothing you type leaves this page.
This is the free version of one question. The Planner asks the next ten.
Open the Action Plan and it has already read what you entered: your loan-to-value, your rates, the gap between what you paid and what came off the balance. It turns that into a ranked list, each item with what it is worth and how long it takes. Try it with this sample household. Tap the moves you would make.
Sample figures worked with the same amortization math the Planner uses. Your plan is built from your own numbers. Educational only, not financial advice.
Each one is a calculator that knows the rules, not a rule of thumb. Pick one.
It checks whether your loan can be recast at all, because FHA, VA and USDA loans cannot, and most people find that out after the phone call. Then it prices every path side by side, including the one nobody shows you: sending the same lump sum straight at the principal.
On the sample loan, a $25,000 recast drops the payment from $2,401.86 to $2,215.46, which is $186.39 a month.
There are four routes, and they do not all use the same value for your house. Automatic and requested cancellation use what it was worth when you bought it, so a rising market does nothing for you. Only reappraisal uses today's value.
The Planner tells you which route you qualify for today, and the date each of the others arrives.
When your property taxes rise, your payment goes up twice: once for the higher bill, and again for a twelve-month catch-up on the shortage.
The Planner works out next year's payment before the letter arrives, and checks the cushion your servicer holds against the legal limit.
Pulling $200,000 from an IRA is ordinary income. It can push you into a higher bracket and raise your Medicare premiums two years later, charged per person, with a Part D surcharge on top.
Claiming at 62 instead of 70 can cut the check by more than 40%, for life. Slide to see it on a sample statement of $2,000 a month at full retirement age (67).
Uses SSA's reduction and delayed-credit rules, before cost-of-living increases. The Planner adds your spouse's amount, what the survivor keeps, the earnings test and how much of the check is taxable.
A sale can free up cash, but selling costs 6% to 10% before tax, and the gain can make more of your Social Security taxable that year.
Educational only. Not tax or financial advice.
A phone call gets you whoever answered. A letter gets you a written answer from someone who had to look it up. Here are all five, filled in for the sample household.
This is the real refinance tool from inside the Planner, running free on this page. If someone has offered you a refinance, put it in.
Every free calculator does the same sum: closing costs divided by monthly savings equals break-even. It ignores one thing. When you refinance, your amortization starts over. Seven years into a thirty-year loan you are past the worst of the front-loading. A fresh thirty-year loan puts you back at the start of that curve.
No account, no password, no subscription, no server. Pick your device to see the steps.
An illustrated guide for every device comes with it, plus a troubleshooting page for when the install button does not appear.
Try this yourself after you install. Every calculator still works, with your numbers in it.
Getting this wrong costs real money, so every eligibility rule in the Planner shows where it comes from and the date it was last checked, with a link to the source.
Dr. James Frederick Smiling holds a PhD in STEM-Mathematics Education from NC State and teaches statistics and financial literacy at the college level.
Every figure is worked amortization math on your numbers. No rules of thumb. Where something cannot be calculated exactly, like an escrow shortage that depends on a tax bill the app cannot see, it says so and asks you for the real number instead of guessing.
I take nothing from banks or lenders and I sell no financial products.
Large text throughout, with a size slider up to 160% and a real high-contrast mode.
No. $97 once. Nothing renews and there is nothing to cancel.
The free calculators answer one question about one debt and forget you when you close the tab. The Planner holds your whole situation month to month, ranks what to do, and writes the letters that make it happen.
Windows, Mac, iPhone, iPad and Android. You open one address and install it in about twenty seconds. There is no app store and nothing to unzip.
Only to download it. After that it runs completely offline.
Nowhere. There is no server to send it to.
Seven of the fifteen calculators work without one, including Social Security claiming, stay or downsize, and every debt in order (cards, car, student loans, medical). The rest are built for homeowners, so you would be paying for tools you will not use. The free Blueprint may be all you need.
Yes, that is what the Action Plan is. It shows what your numbers do under each choice and what each rule actually says, with a link to the rule. The decision is yours. It is a math tool, not financial advice.
The 2026 brackets, standard deduction and Medicare thresholds are in it, sourced and dated, with 2027 Social Security figures where SSA has announced them. They are re-checked every January and November, and updates are free.
The Blueprint shows the date you are on now. The Planner prices every way to change it.
Email within 30 days and you get your money back. No form and no questions.
The Retirement Money Blueprint and its workbook are free, and so are the calculators on this site. If you get to a decision they cannot answer, the Planner is here.
Get the free Blueprint first