planwithzenEstimated payoff date
See the date produced from the mortgage details and payment assumptions you enter.
A practical mortgage-payoff planner for iPhone
See how extra principal could change your mortgage timeline.
Review your estimated payoff date and remaining interest, then explore how additional principal payments could affect both.
Coming soon on theApp Store
Explore Mortgage Features Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
Test before you commitSee what an extra amount would do before you send it.
Two ways to pay it downAn extra amount each month, half a payment every two weeks, or both.
Nothing leaves the appplanwithzen does not contact your lender or make payments.
Explore the tradeoffs
Understand the estimated effect before changing your payment.
A mortgage-payoff illustration can show how an additional amount applied to principal may change the timeline. It does not change your loan, instruct your lender, or guarantee savings.
Remaining interest
Review an estimate of principal and interest over the remaining loan period.
Extra payments
Test a recurring extra-principal amount, or half a payment every two weeks, and compare the estimated change in time and interest against the baseline.
Mortgage planning for real life
See what an extra payment is worth before you make it.
An extra amount against the principal shortens the loan twice over: the balance falls sooner, so less of it accrues interest. Neither effect is obvious from a statement, which is why it is worth pricing.
Enter the loan once
Balance, interest rate, and the principal-and-interest payment you make now.
Try a different schedule
An extra amount each month, half a payment every two weeks, or both together.
Compare the two outcomes
The estimated payoff date and remaining interest, with and without the change.
How mortgage-payoff planning works
Build an educational scenario in three steps.
Add the loan details
Enter the current balance, the interest rate, and the principal-and-interest payment. The remaining term follows from those three.
Review the baseline
See the estimated payoff date and remaining interest based on those details.
Test extra principal
Enter an additional amount and compare the estimated timeline with the baseline.
Check your loan terms: Confirm how your servicer applies additional payments and whether any restrictions, fees, escrow changes, or other terms affect your actual results.
Mortgage features
Price a decision before you make it.
Your loan, entered once
- Current balance, interest rate, and principal-and-interest payment.
- The mortgage also counts against your net worth.
- Included with Momentum. Momentum
Two ways to pay it down
- An extra amount added to each monthly payment.
- Half a payment every fourteen days — twenty-six a year.
- Or both together.
What it would change
- Estimated payoff date, with and without the change.
- Estimated interest saved over the life of the loan.
- Years and months taken off the term.
Nothing is sent anywhere
- planwithzen does not contact your lender.
- It cannot make a payment or alter your loan.
- Confirm with your servicer how extra principal is applied.
Simple pricing
Start free. Build Momentum when you’re ready.
Free gives you a complete financial picture and practical plans. Momentum helps you keep those plans current and see how they change over time.
Free
$0
Understand where you stand and build your first plans.
- Track income, expenses, assets, and debts manually.
- Build a budget for this month and next month.
- Create a highest-interest-rate-first consumer debt plan.
- Manage two financial goals.
- View net worth, financial health, and accessible-savings coverage.
- Add four custom categories.
Coming soon on theApp Store
No subscription or bank connection required.
Momentum
$9.99 / month
Work your plans month after month and watch your progress.
- Everything in Free
- Connect eligible financial accounts through Plaid.
- Compare three consumer-debt payoff approaches.
- Build a mortgage-payoff plan.
- Manage up to ten goals and custom categories.
- View six months of financial history and deeper analysis.
Coming soon on theApp Store
Renews monthly until canceled. Manage or cancel through Apple ID settings.
Compare Free and Momentum features
| Capability | Free | Momentum |
|---|---|---|
| Manual financial tracking | ✓ | ✓ |
| Plaid account connections | — | ✓ |
| Monthly budget | 2 months | 6 months |
| Actual-versus-budget comparison | — | ✓ |
| Consumer debt payoff approaches | Highest interest first | 3 approaches |
| Mortgage-payoff plan | — | ✓ |
| Active financial goals | 2 | 10 |
| Custom categories | 4 | 10 |
| Current net worth and health score | ✓ | ✓ |
| Financial history | — | 6 months |
Mortgage questions, clearly answered
What to know before testing a scenario
Does planwithzen send extra payments to my lender?
No. The feature creates educational estimates only. It cannot alter your loan or make a payment.
Does an extra payment always reduce principal?
Not necessarily. Servicer practices and loan terms differ. Confirm that your lender will apply the amount as intended.
How does this connect to my budget?
Your regular mortgage payment appears in your budget under Housing, in needs. Additional principal you test here stays on this page as an estimate and is not added to your budget.
Why might my lender show a different payoff result?
Your lender may use daily interest, escrow, fees, payment timing, rounding, adjustable rates, or other loan-specific rules that are not reflected in a simplified estimate.
Is mortgage-payoff planning included with Free?
No. Mortgage-payoff planning is a Momentum feature. Momentum is $9.99 per month and renews monthly until canceled through Apple ID settings.
Coming to iPhone
See what extra principal does to your mortgage.
Test an additional monthly amount, see the payoff date and interest change, and keep the result connected to your budget and net worth.
Coming soon on theApp Store
Related planning tools
Your mortgage is part of the whole picture.
Explore the numbers before making a decision.
planwithzen is coming soon to iPhone.