Make Whole Calculator | Free Prepayment Tool

Loan Information

Loan Amount$

First Payment Date

Loan Term (months)?The loan term input should correspond to the end of the prepayment period in the loan docs. E.g. to calculate to a 3 month open window use 117 instead of 120.

Maturity Date

Interest Rate

Rate%

Day Count

Minimum Penalty?The minimum prepayment penalty as a percent of the remaining loan balance.%

Rep. Rate Spread?Some loans allow for an additional spread to be added to the Treasury Rate, typically 50–75 bps. Check your loan documents for this provision.%

Amortization

Amortization Type

Amort Term (months)

I/O Period (months)