Paying off your mortgage early can save you from paying some extra money. To take advantage of this what you can do is that with the payment of your monthly bill you can pay back some extra money. Also send an instruction with it that this additional money be used to pay back the principal. This is simple mathematics as the less principal you owe the less interest you are charged as a part of the regular payment. Another way is that you turn your mortgage into a cash-flow management account that would work like a bank. In this you deposit all your paycheck and any other income into this account. The outstanding balance form this account would go down. When you need money you can make withdrawals from this account and the loan balance will go up. This works on the basics of mathematics that depositing more and withdrawing less on a regular basis, you stand a better chance of saving money than simply making extra payment towards the principal.