MCA Early Payoff Calculator
Enter your advance, the total payback and what you've paid so far to see the balance, the unpaid part of the fee and what an early payoff discount would save. If the funder gave you a payoff quote, enter it to see what it really waives. Without a discount, paying early saves nothing.
Calculator
Enter your numbers to see results.
Results are estimates. Funders set the actual terms. Nothing you type is stored or sent.
How the math works
The balance is the total payback minus what you've paid. The fee is the total payback minus the advance. To estimate how much of the fee is still unpaid, the tool spreads it evenly across the payback: unpaid fee equals the fee times the balance divided by the total payback. A waiver percentage takes that share off the balance. A quote is compared with the full balance and the unpaid fee.
Inputs and results
Balance left
Unpaid fee
Estimated payoff
Total cost now vs later
Quote check
A worked example
$50,000 advanced, $70,000 payback, $35,000 paid. Balance $35,000. Fee $20,000, of which $10,000 is unpaid if spread evenly. A 50% waiver means a $30,000 payoff and a $15,000 total cost instead of $20,000. See paying off an MCA early.
Your numbers stay with you
Nothing you type here is saved, sent or stored. The math runs in your browser and disappears when you leave the page.
When to use it
- You got a payoff letter and want to know whether the discount is real.
- You're weighing a renewal or consolidation that would pay this advance off.
- Sales are strong and you have extra cash.
- You're deciding between paying off early and putting the money back into the business.
If the contract has no discount, paying early only moves the same cost sooner. Ask the funder for its early payoff terms in writing first.
Want us to check the numbers with you?
Call 877-FUND-654 with any question. We call you back, usually the same business day, and we always talk with you before we shop your file.