Auto calculates the standard payment. Add an extra monthly payment to see payoff faster and interest drop.
Switch to Manual if you want to enter a specific payment.
Inputs
Optional — used to show real payment dates and payoff month.
Applied on top of the auto payment (ignored in Manual mode).
If enabled, the table shows month-by-month dates (requires start month).
Summary
Base payment (auto)
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Actual monthly payment
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Total interest
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Interest saved (vs standard)
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Paid off in
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Payoff month
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Tip: Try extra payments like $25, $50, or $100/month — even small amounts usually save real interest.