Our mission
Loan statements rarely show what an extra payment would do. That missing information costs borrowers thousands of dollars. We built a fast, honest calculator that makes the impact of every extra dollar immediately visible, so you can make confident decisions about your money.
Built to be trusted
- Private. We never ask for your name, email, or account numbers.
- Transparent. The full amortization math is documented on our How It Works page.
- Free forever. No accounts, no upsells, no ads following you around.
Built on open technology
This site runs on a classic, dependable LAMP stack — Linux, Apache, MySQL, and PHP. That means it is fast, portable, and easy to self-host on virtually any server.
A note on advice
PayoffPilot provides educational estimates, not financial advice. Everyone’s situation is different — consider your emergency fund, other debts, and investment options, and consult a qualified advisor before making large financial decisions.