About PaydownWise
Free financial calculators to help you achieve debt freedom
Our Mission
PaydownWise is dedicated to providing free, privacy-focused financial calculators that help people understand their debt and create actionable plans to pay it off faster. We believe everyone deserves access to professional-grade financial tools without compromising their privacy or paying subscription fees.
Whether you're trying to pay off your mortgage early, finance an RV or boat, or develop a comprehensive debt elimination strategy, PaydownWise gives you the insights you need to make informed decisions and save thousands in interest.
Why We Built PaydownWise
Most financial calculators are buried in lengthy blog posts with excessive advertising, require registration to use, or sell your data to third parties. We wanted to create something better:
- 100% Free - No registration, no credit card, no hidden fees
- Privacy First - All calculations happen in your browser, we never see your data
- Fast & Clean - No ads above the fold, instant results as you type
- Educational - Each calculator includes tips and strategies to help you succeed
Our Calculators
We focus exclusively on debt payoff and loan calculators, providing specialized tools for:
🏠 Mortgage Payoff
Calculate how extra payments can save thousands in interest
🚐 RV & Boat Loans
Compare financing options for your vehicle purchases
📊 Simple Interest
Calculate non-compounding interest for loans and investments
📈 Coming Soon
VA/FHA loans, debt elimination strategies, and more
How We Protect Your Privacy
Your financial information is sensitive, and we take privacy seriously:
- →Client-Side Calculations: All calculations happen in your browser using JavaScript. We never send your data to our servers.
- →No Registration: You don't need an account to use our calculators. No email addresses, no passwords, no hassle.
- →Optional Local Storage: If you choose to save calculations, they're stored only in your browser's local storage, not on our servers.
- →No Tracking: We don't use invasive analytics or sell your data to third parties.
Disclaimer
PaydownWise calculators provide estimates for informational and educational purposes only. Results should not be relied upon for important financial decisions without verification.
Always consult with a qualified financial advisor, mortgage professional, or accountant for advice specific to your situation. Actual loan terms, interest rates, and savings may vary based on your lender, creditworthiness, and other factors.