ABOUT PAYOFF ATLAS

Clearer choices before you make a loan payment.

Payoff Atlas is an independent educational calculator for comparing regular repayment schedules with one-time or recurring extra principal payments. It is built for people who want to understand the time and interest trade-offs before speaking with their lender.

Our purpose

We make repayment scenarios easier to compare across countries and currencies. Calculations are estimates and should be checked against your lender's current balance, fees and loan terms.

How the tool stays useful

Inputs are calculated in your browser.
Country versions use local currency formatting and example assumptions.
We explain the assumptions behind each estimate.