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We calculate an accelerated bi-weekly payment, for example, by taking your normal monthly payment and dividing it by two. Click the "View Report" button to see a complete amortization payment schedule and how much you can save on your mortgage. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. Should you buy points? Financial Calculators ©1998-2017 KJE Computer Solutions, Inc. Mortgage repayment shortened by 3 years and 9 months. Annual interest rate. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. The annual interest rate used to calculate your monthly payment. Use this calculator to determine your maximum mortgage and how different interest rates affect how much you can borrow. Mortgage Payoff How much interest can you save by increasing your mortgage payment? Use this calculator to help estimate the total cost to purchase a home. 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