Disclaimer

The schedules, payoff dates, interest-saved figures, and biweekly equivalents on this site are estimates. They assume a U.S. fixed-rate, fully amortizing loan, monthly simple interest, and the inputs you typed. Real loans include funding-day interest, escrow, insurance, late fees, and servicer-specific application rules that this model does not include.

AmortSheet is not a lender, mortgage broker, bank, credit union, or government agency. Nothing on this site is an offer or commitment to lend, a payoff quote, a Closing Disclosure, or a recommendation to prepay, refinance, recast, or invest. It is not financial, tax, accounting, or legal advice.

You are responsible for confirming figures with your servicer, reading your promissory note, and consulting a licensed professional before you change how you pay a loan. If this tool disagrees with your lender, your lender’s numbers control your obligation.

To the fullest extent permitted by law, the operators of AmortSheet are not liable for decisions made from these estimates, including missed payments, prepayment penalties, or tax consequences of mortgage interest.

Use of the site is also governed by the terms andprivacy policy.