https://paysaurius.com Free US mortgage decision calculators. Compare extra payments, recast, refinance, and investing side by side — instantly and privately, with no sign-up. en-us Thu, 04 Jun 2026 20:08:47 GMT https://paysaurius.com/guides/is-it-worth-paying-off-mortgage-early https://paysaurius.com/guides/is-it-worth-paying-off-mortgage-early Paying off your mortgage early saves guaranteed interest and brings peace of mind — but it ties up cash and may underperform investing. Here's how to decide. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/mortgage-recast-by-lender https://paysaurius.com/guides/mortgage-recast-by-lender Recast policies vary by servicer. Here's a general, factual overview of how major lenders handle re-amortization, fees, and minimums — and how to confirm your own. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/should-i-recast-or-pay-down-principal https://paysaurius.com/guides/should-i-recast-or-pay-down-principal Recasting and paying down principal both use a lump sum — but one lowers your payment while the other shortens your loan. Here's how to pick the right one for your goal. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/lump-sum-mortgage-payment-calculator-guide https://paysaurius.com/guides/lump-sum-mortgage-payment-calculator-guide Got a windfall? A lump sum can prepay your mortgage, recast it for a lower payment, or be invested. Here's how to decide which gets you the most — with a free calculator. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/biweekly-vs-extra-monthly-payment https://paysaurius.com/guides/biweekly-vs-extra-monthly-payment Biweekly mortgage payments add up to one extra payment a year. You can get the exact same result for free by adding 1/12 to each monthly payment. Here's the math. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/how-much-do-i-save-paying-extra-on-mortgage https://paysaurius.com/guides/how-much-do-i-save-paying-extra-on-mortgage Even small extra principal payments can save tens of thousands in interest and cut years off your loan. See how the savings scale — and how to calculate yours. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/recast-vs-refinance https://paysaurius.com/guides/recast-vs-refinance Both lower your mortgage payment, but a recast keeps your rate with no closing costs, while a refinance resets your rate and term. Here's how to choose — with a breakeven calculator. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/pay-off-mortgage-or-invest-2026 https://paysaurius.com/guides/pay-off-mortgage-or-invest-2026 Paying off your mortgage is a guaranteed return; investing is a probable but uncertain one. Here's how to compare them honestly — with a calculator that shows your breakeven. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/what-is-mortgage-recast https://paysaurius.com/guides/what-is-mortgage-recast A mortgage recast lowers your monthly payment by re-amortizing your loan after a lump-sum principal payment — same rate, same term. Here's how it works and when it pays. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT https://paysaurius.com/guides/recast-vs-extra-payment https://paysaurius.com/guides/recast-vs-extra-payment Recasting lowers your payment; extra payments shorten your loan. See which one saves more interest on the same lump sum — with the math and a free calculator. Marcus Hale Thu, 04 Jun 2026 00:00:00 GMT