Owned Outright
ChatGPT pluginMortgage payoff calculator
US mortgage maths from ownedoutright.com. Give ChatGPT your balance, rate and time left. It works out the new payoff date and the interest saved from a monthly, yearly or one-time extra payment, the extra needed to be mortgage-free by a date, or how many months until a refinance pays for its closing costs. It can also work out when PMI can be cancelled or must end on a conventional loan, and the payments on an adjustable-rate mortgage, including the highest payment its rate caps allow. Every answer links to the matching calculator so you can adjust the numbers. Education only, not financial advice.
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3 listing changes logged · latest Oct 28: Capabilities, Description, Version. See what changed
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Example prompts
- “$300k mortgage at 6.5%, 30 years left, next payment Nov 2026. How much sooner with an extra $200 a month?”
- “Same loan. How much extra per month would I need to be mortgage-free in 15 years?”
- “$300k at 7%, 28 years left. Is refinancing to a 30-year at 6% with $4,000 closing costs worth it? Next payment Nov 2026.”
- Categories
- Made by
- WinWithWeb Technologies LLP · Website
- Sign-in
- On Install
- Capabilities
- Calculate mortgage payoff with extra payments, Find the extra payment needed for a payoff date, Find the refinance break-even point, Find when PMI can be removed, Show ARM payments and the worst case
- Availability
- Available
- Version
- 1.1.0
- Created
- October 3, 2026
- More info
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