Interest Savings
See exactly how much interest you'll save with extra payments. The growing gap between minimum-only and your chosen strategy reveals thousands in savings.
The True Cost of Minimum Payments
Compare total interest paid under minimum-only payments vs. your chosen strategy. The cumulative interest chart shows two lines diverging over time — the growing gap between them is your savings. For most rental portfolios, the difference is tens of thousands of dollars that stay in your pocket instead of going to the bank.
- Cumulative interest chart: minimum-only vs. your strategy
- The growing gap between the lines is your total savings
- See month-by-month interest allocation across all debts
- Know exactly how much each extra dollar saves in interest
Lump Sum Power
Model one-time extra payments — a tax refund, annual bonus, or property sale proceeds — and see the compounding interest savings over time. A single well-timed lump sum can save multiples of its value in avoided interest when applied to the right debt at the right time.
- Model lump sums at any month in your payoff timeline
- See the compounding savings from a single extra payment
- Compare applying lump sums to different debts
Sample Output
See what this feature calculates for you.
Explore More Features
See everything Debt Paydown Strategy Simulator has to offer.
Strategy Comparison
Run avalanche, snowball, and custom strategies simultaneously. See side-by-side total interest, payoff timeline, and monthly payment allocation for each approach.
Learn more →Payoff Timeline
Watch each debt disappear on an interactive timeline. When one mortgage is paid off, that payment cascades to the next — accelerating your path to free and clear.
Learn more →Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Interest Savings?
Get access to this feature and everything else in Debt Paydown Strategy Simulator.