Dave Ramsey Mortgage Calculator

Pay Off Your House Early and Build Serious Wealth – See How Extra Payments Change Everything

Let's Crush This Mortgage!

Dave says pay off your house before retirement – imagine having NO house payment when you're older! That's wealth-building power right there.

Payoff Timeline: 20 years

Put in the full purchase price. Dave's rule: keep your total house payment (including taxes and insurance) under 25% of your take-home pay. Don't be house poor!

Here's where the magic happens! Even an extra $100 a month can save you tens of thousands in interest. Every dollar counts!

Shop around! Don't just take the first rate you're offered. A half percent difference can save you thousands over the life of your loan.1

0% 7.5% 15%

Your Mortgage Payoff Plan

Total Payments

$0

Total amount paid over loan term

Interest Saved

$0

Money saved with extra payments

Home Value

$0

Estimated home value at payoff

Year-by-Year Mortgage Payoff Breakdown

Age Starting Balance Annual Payments Interest Paid Remaining Balance