Lentara™ by FormHaven
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Scanning…
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Tools
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Loans

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Payment Optimizer

What are you trying to do?
Choose a planning lane. Lower-payment and forgiveness tools appear when student loans are in the packet.
No document needed. Add a balance manually or let scanned statements fill the math.
Extra: $0
Current monthly total: —
Payoff at current pace
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Payoff with extra
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Time saved
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Interest saved
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Add debts manually or drop a statement to auto-fill payoff options.
Optimizer power tools Compare strategies, set a payoff target, view the quick summary, and download schedules.
Set a payoff target (optional)
Pay off in
months
Pick a target number of months and Lentara will estimate the extra monthly payment needed.
How this estimate works
  • Interest is estimated monthly using APR ÷ 12. Some lenders accrue interest daily.
  • Minimum payments come from your statement when available; eligible installment/student rows may be estimated from balance, APR, and term.
  • Credit cards need a statement minimum. Mortgages show statement due; payoff estimates use principal and interest when the current breakdown is clear.
  • Student-loan plan estimates use current rule assumptions; RAP and Tiered Standard should be reviewed before filing anything official.
  • “Save most on interest” targets the highest APR first. “Clear smallest balance first” targets the smallest balance first.
  • This is an estimate for planning — not an official payoff quote from a lender or servicer.