Thirty: Loan What-If

See how extra payments or refinancing change what you pay, what you still owe, and when your loan ends. Thirty is a loan and mortgage what-if calculator. Start with a loan you already have: enter its balance, interest rate and remaining term, and the date of the next payment. The principal and interest payment is calculated from those numbers. You can also enter a new loan. COMPARE AT THE SAME POINT IN TIME A lower payment is only part of the picture. Put your loan and named options side by side at 2 years or 5 years. See the money paid in payments, interest and closing costs, and balance still owed at that same point, alongside totals over the remaining loan. EXPLORE A CHANGE - Add a recurring extra payment or a lump sum in a chosen month. - Model refinancing with a new rate, term and closing costs, paid separately or added to the loan. - Try payments every 14 days. - Change the down…