Mortgage Scenarios

Compare paths

Each row is a path you can inspect. Biweekly payment is half of P&I every two weeks. Green is interest avoided vs baseline.

Path	Interest	vs baseline	Payment	Paid off

Remaining balance

How fast each path retires the debt

Interest paid

Lifetime interest — shorter is better

Year by year

Selected path

Year	Paid	Principal	Interest	End balance

Disclaimer

This is scenario modeling, not financial, tax, or lending advice. Figures are estimates for comparing payoff paths — they are not a quote, commitment, or recommendation. You are responsible for verifying all numbers, terms, and assumptions with your lender or servicer before making any decision. Illustrative fixed-rate amortization only — no taxes, insurance, PMI, HOA, or points. Payments and interest are rounded to the nearest cent; the last payment clears any leftover balance so principal totals match the loan. Biweekly is 26 half-payments a year applied immediately (true biweekly), not a servicer that holds drafts until a full monthly payment posts. A recast is a lender service, not a refinance: the rate and remaining term stay the same, the payment is rebuilt on the new balance. Confirm terms, recast eligibility, biweekly drafting, and fees with your servicer. Monthly P&I is calculated on the loan amount, not the purchase price.