MCA Payoff Calculator: How to Estimate Your Payoff and Payoff Date
Want to know when your merchant cash advance will be paid off — and what an early payoff might cost? Here's the simple math, a worked example, and what to ask your funder.
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When will my merchant cash advance (MCA) be paid off? And if I want out early, how much would it take?
You can estimate both with a few numbers from your contract and your bank account.
Want it done for you? Plug your numbers into the MCA calculator. Want to understand the math? Keep reading.
What you need
Grab these four numbers:
- Advance amount — what the funder gave you (from the contract)
- Factor rate — like 1.30, 1.40, 1.49
- Payment amount — your daily or weekly debit
- Paid so far — add up cleared debits from your bank
Calculation 1: Total payback
Total payback = advance × factor rate
Example: $30,000 × 1.38 = $41,400
Calculation 2: What's left
Remaining ≈ total payback − paid so far
Example: You've paid $16,400.
$41,400 − $16,400 = $25,000 left
Calculation 3: Payments left
Payments left ≈ remaining ÷ payment amount
Example: Daily payment is $460.
$25,000 ÷ $460 ≈ 55 business days
Calculation 4: Estimated payoff date
Count forward that many business days from today. Skip weekends and bank holidays (funders usually can't debit on those).
- 55 business days ≈ 11 weeks
- If today is November 2, your estimated last payment is around mid-January
Weekly payments? Payments left = weeks left. 20 payments left = about 20 weeks.
Percent of sales? Your payment changes with sales, so the date moves too. Use your average daily debit over the last 30 days for a rough estimate.
Calculation 5: What early payoff could look like
This depends 100% on your contract. There are three common setups:
1. No early payoff discount You owe the full remaining amount. In our example, $25,000, whether you pay today or over 11 weeks.
2. Fixed discount Some contracts knock off a set amount or percent if you pay early. Example: 10% off the remaining balance → $25,000 × 0.90 = $22,500
3. Discount schedule by date Some contracts give a bigger discount the earlier you pay off (for example, within 30, 60, or 90 days of funding).
Read the "prepayment" or "early payoff" section of your contract. If you can't find it, ask the funder.
Important: Early payoff with no discount usually saves you nothing. It just moves the payments up. Only an actual discount lowers what you pay.
Full worked example
| Amount | |
|---|---|
| Advance | $30,000 |
| Factor rate | 1.38 |
| Total payback | $41,400 |
| Paid so far | $16,400 |
| Remaining (estimate) | $25,000 |
| Daily payment | $460 |
| Payments left | ~55 business days |
| Estimated payoff date | ~11 weeks out |
| Early payoff with 10% discount (if contract allows) | ~$22,500 |
(Example numbers only.)
Why your estimate can be off
- Bounced payments and returned-payment fees
- Paused or reduced payments (reconciliation)
- Payments still in transit on the funder's side
- Fees you didn't account for
Always use your estimate as a check — not as the final number.
Get the real payoff in writing
Before you send any payoff money, ask your funder for a written payoff letter that shows:
- The exact payoff amount
- The date it's good through
- Payment instructions
- Any discount applied
Then compare it to your estimate. If it's way off, ask for a payment history and check it against your bank.
After you pay, watch your bank account for a couple of weeks. There should be no more debits from that funder.
Related guides
- How much do I still owe on my MCA?
- What is a factor rate?
- How to calculate your remaining MCA balance
Know your payoff date without the math
Funding Tracker keeps your remaining balance and progress updated for each advance, so you always know what's left and how close you are.
- Remaining balance per advance
- Payoff progress at a glance
- Works with stacked advances
👉 Sign up at fundingtracker.app
Disclosure: Funding Tracker is not a lender, broker, or funder. We don't provide financing or financial advice. We help merchants track advances they already have. Always confirm balances and payoff amounts directly with your funder.