US 2028 Mortgage Acceleration

Mortgage acceleration 2028: biweekly = 13 monthly equivalents/yr. Extra principal $100-$500/mo = similar effect. Both shave 4-8 years off 30-yr.

Loan balance ($)

Interest rate %

Extra monthly principal ($)

Interest Saved

—

Years Saved

—

Base interest (30 yr)	—
With extra (years to payoff)	—
Years saved	—
Interest saved 2028+	—

Mortgage acceleration 2028: biweekly payments (half mortgage every 2 weeks = 26 half-payments/year = 13 monthly equivalents) vs extra principal monthly. Both strategies shave 4-8 years off 30-year mortgage + save $50k-$100k+ interest depending on rate. Extra-principal more flexible — adjust amount monthly.

h2

body_html

h2

body_html

h2

body_html

Last updated May 2026. Sources: CFPB.