1. Acceptance
By using PayOffPal you agree to these terms. If you do not agree with them, please do not use the site.
2. What PayOffPal Is
PayOffPal is a free mortgage extra-payment calculator. You enter your loan details and it shows how additional payments would change your payoff date and total interest. It is a calculation tool and nothing more — it is not a lender, a broker, a servicer, or a financial advisory service, and it is not affiliated with your mortgage company.
3. Estimates Only — Not Financial Advice
⚠ Important Disclaimer
This calculator provides estimates for informational purposes only. Results are not financial advice. Always consult a qualified mortgage professional or financial advisor before making decisions about your mortgage.
Real loans carry details a calculator cannot see: escrow, PMI, prepayment terms, how your servicer applies extra principal, and how interest is actually accrued. Your servicer's figures govern your loan — not ours. Verify anything here against your own statement before you act on it.
4. No Data Storage
All calculations are performed in your browser. We do not collect, store, or transmit any of the financial data you enter. See our Privacy Policy for the full detail.
5. Acceptable Use
You may use this calculator freely for personal and professional purposes. You may not attempt to disrupt or overload the site, circumvent its security, scrape it at a volume that degrades it for others, or republish it as though it were your own service.
6. Intellectual Property
The site's text, design, and calculator implementation belong to PayOffPal. The results the calculator produces from the numbers you enter are yours to use however you wish.
7. Advertising and Affiliate Links
This site is supported by advertising and by affiliate links. As an Amazon Associate we earn from qualifying purchases. An affiliate link never changes the price you pay, and it does not influence what the calculator tells you.
8. Third-Party Links
Links to other websites are offered for convenience. We do not control them and are not responsible for their content, products, or practices.
9. Availability
The site is provided "as is" and "as available". We do not guarantee it will be uninterrupted or error-free, and we may change or discontinue any part of it at any time.
10. Limitation of Liability
To the fullest extent permitted by law, PayOffPal shall not be liable for any damages arising from your use of the site or your reliance on calculator results, including any financial loss resulting from decisions made using those estimates.
11. Changes to These Terms
These terms may be updated from time to time. The current version is always the one posted here, with its date shown at the top of the page.
12. Contact
Questions about these terms? Email hello@payoffpal.org.