About
Who makes this, and how it is paid for
CutYears exists because the calculators that rank for these questions are almost all published by someone who would like to sell you a loan. That is not a scandal — it is just a reason those tools stay shallow. A lender's prepayment calculator will never tell you that the fees make prepaying a bad idea, and an aggregator's will never tell you that the refinance it is about to route you to does not clear its own costs.
So this one is built the other way round. The engine is the product, the schedule is visible, the net benefit is signed so it can come out negative, and the whole calculation runs on your device so there is nothing for us to collect even if we wanted to. The rules it follows are published in full, including the places we deliberately differ from a lender.
How it makes money
Right now, it does not. There are no ads, no affiliate links and no lead generation. If that changes, it will change in ways that cannot affect what the calculator tells you — licensing the engine to other businesses, or a paid version of the report — and this page will say so before it happens. What we will not do is take money for sending you somewhere, because the moment we have a financial reason to prefer one answer, the tool is worth nothing.
Things we will never do
- Sell or share your loan details. We cannot — they never reach us.
- Route you to a lender for a commission, or rank anything by what it pays us.
- Require an account, an email address or a phone number to see a result.
- Run behavioural advertising or any third-party tracker that follows you off the site.
- Publish a figure we would not be willing to defend against a bank statement.
Corrections
We would rather be corrected than be wrong quietly. If a figure here disagrees with your lender's statement, or a regulatory claim in a guide is out of date, write to [email protected]. Every guide carries the date its sources were last checked, and we will correct and re-date rather than edit silently.
This page is not finished
The named people behind this project and the registered entity are not published yet — the contact address above is real and read. We would rather show you an obvious gap than a convincing invention — on a page whose entire job is to establish who is accountable, a fabricated biography would be self-defeating.
Last reviewed 2026-09-03.