Bye Bye Home LoanBETA

Mortgage payoff planner

Your path to mortgage freedom.

Track your payments and see how extra principal could save time and interest.

Add Bye Bye Home Loan to your Home ScreeniPhone setup
  1. Open Bye Bye Home Loan in Safari. If it opened inside ChatGPT, tap •••, then Open in browser.
  2. In Safari, tap Share (the square with the up arrow).
  3. Tap Add to Home Screen. If you do not see it, tap View More first.
  4. Keep the name Bye Bye Home Loan and tap Add. Then open it from the new Home Screen icon.

This creates a website shortcut; Bye Bye Home Loan is in beta and is not currently an App Store download. Your account keeps your homes and payments in sync across devices.

Tell us about your mortgageStart with your latest statement. No need to rebuild your payment history.
A private label you will recognize
Visible to members of your shared household

Your loan numbers

Required to place your loan on its original payoff timeline. Use the first regular payment date, not the closing date.
years
Required to establish the original scheduled end date. Usually 30, 20, or 15 years.
$
The mortgage balance you currently owe, before future interest, escrow, or fees
%
Annual fixed rate
$
Enter the full monthly amount from your statement—even if you split it into biweekly payments. Choose your payment schedule below. Leave out escrow and any extra principal.
Prefilled for you; only change it if needed
Choose every 2 weeks only if your servicer applies 26 half-payments each year.
OPTIONALImprove my original-schedule comparisonAdd the amount originally borrowed to compare today’s balance with the original schedule.
$
The amount originally borrowed. This unlocks an estimated comparison with your original balance path.

Your current statement balance includes extra principal payments that have already posted and controls the payoff estimate from today. To estimate how much past extra payments changed your timeline or interest, log each payment with its amount and date. If you skip that history, the app will not attribute past savings to those extras.

Show me where to find the numbersA visual example using the labels commonly found on a mortgage statement.

Example mortgage statement

Unpaid principal balance$325,000USE
Interest rate6.50%USE
Total principal$594ADD
Interest$1,760ADD
Extra principal / curtailment$300SEPARATE
Escrow$640OPTIONAL
Late charge$35SKIP
Current loan balance field$325,000
Interest rate field6.50%
Regular monthly principal + interest$594 − $300 + $1,760 = $2,054
Extra-payment historyRecord the $300 as already posted
Optional full housing costAdd $640 escrow separately
Do not projectLeave the $35 late charge out
OPTIONALAdd escrow, insurance, PMI, or HOASee your full housing cost without mixing these charges into the loan-interest math.
$
If entered, Bye Bye Home Loan will ignore the tax and insurance fields below to prevent double-counting
$
$
$
$
Do not enter late charges or one-time fees
$
$
Used only for conventional PMI estimates
Estimated all-in monthly housing costPrincipal + interest, plus the optional costs above
$0.00

Enter either total escrow or its tax and insurance pieces—not both. Bye Bye Home Loan adds these costs for you. Taxes, homeowners insurance, HOA, and recurring fees are never counted as interest savings.

You can find these numbers on your latest mortgage statement.

OPTIONALHave an amortization schedule?Let Bye Bye Home Loan fill in the numbers for you. You do not need a file to use the calculator.
Use a schedule to fill in the numbers Optional CSV · payment date, principal, interest, and balance
No file selected

Your file is read in this browser and is never uploaded.

Download a sample CSV template

Where you're headed

My home
Enter three numbers
Money owed
—
Current loan balance
Time left
—
Years and months until payoff

Your balance and time to payoff will appear here after setup.

Your payoff progress

How today compares with the original loan schedule you started on.

SAVED PROGRESS
Estimated interest saved$0
Time saved0 mo
Balance advantage$0
Extra principal logged$0

Add your optional original loan details to measure how far ahead you are.

What if I pay extra?

Add principal with every payment, monthly, yearly, or whenever you choose.

LIVE ESTIMATE
$extra each month

Choose how often to add extra principal.

$0$2,000
Current timelineMove the slider to shorten your loan
—With this extra amount
—Add your loan details
—New payoff date
Your estimate will update here as soon as your loan details are ready.
Save a strategy so it returns when you open this home.
Set a payoff goal

Pick a target and Bye Bye Home Loan will work backward to estimate the monthly principal payment needed to reach it.

years
Extra principal needed each month—Add your loan details to calculate a goal.
Log extra payments already made or planned

Enter extra principal payments here, including payments you already made. Choose “Yes — it already posted” for past payments included in your current balance; choose “No — it is planned” for future payments.

$
Estimated future interest avoided versus original schedule$0

Already posted payments are saved as history but are not subtracted again. Planned payments are applied to the future estimate.

  • No extra payments logged yet.
Explore the payment-by-payment breakdown

A full monthly comparison for anyone who wants to look closer. Your headline view stays focused on the two numbers that matter most.

MonthCurrent plan balanceWith extraInterest avoided
Enter your three loan numbers to see the breakdown.
How this estimate works: monthly interest is calculated from the unpaid balance and fixed annual rate; each regular principal-and-interest payment is applied first, then extra principal is applied directly to the balance. Values are rounded to cents each month.

Estimate only. Assumes a fixed rate and on-time monthly payments. Taxes, insurance, mortgage insurance, fees, rate changes, and your servicer’s daily-interest or payoff rules are not included. Confirm any payoff decision with your loan servicer.