Calculateur de Remboursement d'Hypothèque
Entrez votre solde actuel et votre versement mensuel pour voir exactement quand votre hypothèque sera remboursée.
1 Prêt Hypothécaire Actuel
2 Versement Supplémentaire (optionnel)
Calendrier de Remboursement
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Entrez votre solde et votre versement actuels
Remboursement Standard
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Avec Versement Supplémentaire
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Intérêts Restants
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Intérêts Économisés
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Solde Restant au Fil du Temps
Comparaison de Remboursement
| Métrique | Versement Actuel | Avec Supplément |
|---|---|---|
| Entrez vos données ci-dessus | ||
Comprendre Votre Date de Remboursement
Your loan payoff date is determined by your current balance, interest rate, and monthly payment. Unlike early in a loan when most of each payment goes to interest, as your balance decreases, more of each payment goes toward principal — accelerating payoff in the final years.
If you've had your mortgage for several years, you may be surprised at how much interest still remains. This is because of front-loaded amortization: in the early years, interest consumes 80–90% of each payment. This makes early extra payments especially powerful.
Quand les Versements Supplémentaires Sont les Plus Utiles
- When your mortgage rate is higher than what you can safely earn on investments.
- When you want the psychological security of being debt-free faster.
- When you plan to stay in the home long enough to realize the full savings.
See how refinancing compares using the Refinance Calculator, or explore the Extra Payment Calculator for a detailed breakdown on a new loan.