Free Online Mortgage Length Calculator

Plan your mortgage payments with our FREE Mortgage Length Calculator.

Our Mortgage Length Calculator is a  designed to estimate the length of time it will take to completely pay off your mortgage. This calculator uses key parameters, such as the initial loan amount, annual interest rate, and monthly payment amount, to project a timeline for mortgage repayment. The tool provides homeowners with a greater understanding of their mortgage journey, empowering them to make informed decisions about extra payments, refinancing, or other factors that might affect the length of their mortgage. But first, we must give you some qualifiers about our beloved calculator. Learn more about these types of loans at lending tree.

While the Mortgage Length Calculator provides valuable insights, it’s crucial to understand its limitations. The calculator operates under the assumption that the monthly payment and the interest rate remain constant throughout the loan’s lifetime. In reality, these factors can change under certain circumstances—for instance, if you make extra payments, refinance your mortgage, or if you have an adjustable-rate mortgage. Additionally, the output is rounded up to the nearest year for simplicity, which might not reflect the exact number of months to payoff. For a more precise understanding of your mortgage’s timeline, it’s advised to generate a detailed amortization schedule or consult with a mortgage professional. If you’re just looking for a normal mortgage calculator, check out our free mortgage loan calculator.

How To Use Our Mortgage Length Calculator


Input Your Loan Amount

Enter the original or current balance of your mortgage loan. This is the amount you borrowed or currently owe. This should be outlined in your mortgage agreement or you can find it in your online mortgage account.


Input Your Interest Rate

Enter the annual interest rate for your mortgage. This is the yearly cost of borrowing the money, expressed as a percentage of the loan amount. This can be found in your mortgage agreement. If you have an adjustable-rate mortgage, use your current interest rate.


Input Your Monthly Payment

Enter the amount you pay towards your mortgage each month. This includes principal and interest, but does not include escrow payments for taxes and insurance. This information can be found on your mortgage statement or in your online account.


Learn about your mortgage payments