About Extra Payment Calculator
Empowering individuals and families to achieve financial freedom through smart debt management and strategic extra loan payments since 2020.
Our Mission
Our mission is simple yet powerful: to help millions of people break free from the burden of debt and achieve true financial independence. We believe that everyone deserves access to professional-grade financial tools, regardless of their background or income level.
Through our free, easy-to-use calculators and comprehensive educational resources, we empower users to make informed decisions about their loans, visualize the impact of extra payments, and create personalized debt elimination strategies that actually work.
Our Story
Extra Payment Calculator was born from a personal struggle with debt. Our founder, like millions of Americans, was drowning in student loans, mortgage payments, and credit card debt. After spending countless hours with spreadsheets and complex financial formulas, they realized there had to be a better way.
In 2020, we launched our first calculator with a simple goal: make it easy for anyone to understand how extra payments could change their financial future. What started as a weekend project quickly grew into a comprehensive platform used by over 100,000 people each month.
Today, we're proud to have helped our users save over $50 million in interest payments and shave years off their debt repayment timelines. But we're just getting started.
Our Core Values
Transparency
We believe in complete transparency. All our calculations are based on standard financial formulas, and we never hide fees or promote predatory lending practices.
Accessibility
Financial tools should be free and accessible to everyone. We'll never put our core calculators behind a paywall or require personal information.
Empowerment
We don't just provide tools - we educate. Our comprehensive guides and articles help users understand the 'why' behind financial decisions.
Accuracy
Every calculation is verified against industry-standard financial formulas. We take accuracy seriously because your financial future depends on it.
Privacy
Your financial data never leaves your browser. We don't store, track, or sell your personal financial information. Ever.
Innovation
We're constantly improving our tools based on user feedback and the latest financial research to provide the best experience possible.
What We Offer
Free Financial Calculators
- Extra Payment Calculator for all loan types
- Debt Snowball & Avalanche Calculators
- Mortgage, Auto, and Student Loan Calculators
- Budget Planning and Debt Consolidation Tools
Educational Resources
- Comprehensive debt management guides
- Step-by-step financial planning tutorials
- Real-world case studies and success stories
- Expert tips and money-saving strategies
Our Impact
Our Expertise
Our team combines decades of experience in financial planning, software development, and user experience design. We work with certified financial planners, debt counselors, and former loan officers to ensure our tools and advice meet the highest standards.
Why Choose Us
No Hidden Agendas
We don't work for lenders or financial institutions. Our only goal is to help you save money.
Completely Free
No subscriptions, no premium tiers, no credit card required. All our core tools are 100% free, forever.
User-Friendly Design
No financial expertise required. Our intuitive interface makes complex calculations simple and visual.
Comprehensive Education
We don't just give you tools - we teach you how to use them effectively through detailed guides and articles.
Mobile Optimized
Access our calculators anytime, anywhere. Fully responsive design works perfectly on all devices.
Regular Updates
We continuously improve our tools based on user feedback and changes in financial best practices.
Ready to Take Control of Your Debt?
Join over 100,000 users who have discovered the power of strategic extra payments.
Try Our Calculator Now