Calculate the financial impact of paying down your mortgage early. Whether you have a year-end bonus or accumulated savings, this calculator shows exactly how much interest you save and lets you compare two strategies: shortening your loan term (keeping your monthly payment the same) versus lowering your ongoing monthly payment.
Because mortgage interest is front-loaded in amortization schedules, prepaying principal in the early to middle years yields massive interest savings — often tens or hundreds of thousands in saved interest.
Frequently asked questions
Is it better to shorten the term or reduce the monthly payment?
Shortening the loan term saves significantly more total interest. Reducing the monthly payment frees up immediate cash flow each month.
When is the best time to prepay a mortgage?
Earlier is better, before you have already paid the bulk of the interest during the first third of the loan term.
Does this apply to fixed and variable rate loans?
Yes, it computes based on your current effective interest rate.
中文说明
精准计算房贷提前还贷的省息效果。无论是一笔年终奖金还是储蓄结余，本计算器都能清晰展示提前还贷后的两种核心策略对比：缩短还款年限（月供基本不变，利息省最多）与减少月供金额（还款期限不变，减轻每月现金流压力）。
在等额本息还款机制下，前期还款大部分为利息。在还款前期和中期提前还贷冲抵本金，省息效果最为显著，通常可为您省下数万乃至数十万元利息支出。
常见问题
提前还贷选"缩短年限"还是"减少月供"更好？
缩短还款年限节省的总利息远多于减少月供；而减少月供则能直接释放每月的现金流压力，两者可根据当下财务状况灵活抉择。
房贷还款什么时候提前还最划算？
通常在贷款前 1/3 周期内提前还本金最划算，因为此时利息占比最高；若已还款超过一半，大部分利息已付清，省息收益相对降低。
支持公积金贷款和商业贷款吗？
支持。只要输入当前贷款的实际执行年化利率即可准确计算。