Questions, corrections, or feedback about the calculator are welcome.
If you have spotted something that looks wrong in the math, have a suggestion for the calculator, or want to ask about how the site works, email us at [email protected] and we will read it. We are a small independent team, so we cannot promise an instant reply, but we read every message and aim to respond to genuine questions and corrections within a few business days.
Please note that we cannot give personal financial advice and will not respond to requests for it. PayItDownSooner is an informational tool only, and it does not know your wider finances, your tax situation, or whether overpaying is the right move for you. For guidance about your own circumstances, speak to your lender or a qualified financial professional who can take your full picture into account.
Accuracy is the whole point of this site, so corrections are genuinely welcome and we take them seriously. If a figure does not match what you expect, the most helpful thing you can send is the exact inputs you used, the balance, interest rate, monthly payment and extra amount, along with the result you saw and the result you believe is right. With those details we can reproduce the scenario, check it against our calculation engine, and fix the site if something is off.
If your question is about how a number is produced rather than whether it is correct, our methodology page sets out the amortization model, the assumptions it makes, and where results can legitimately differ from your lender's statement. Reading that first answers many questions, and it gives you the vocabulary to describe anything that still looks wrong.
To set expectations: we cannot recommend a loan, lender, or product, cannot tell you whether to overpay your specific debt, and cannot access or change anything about your actual account, since the calculator stores none of your data and we have no connection to any lender. For those things your servicer or a licensed financial professional is the right contact. What we can help with is how the tool works, how the math is calculated, and any error you find on the site.