Extra payments Amortization table can include special payments, depending on your requirements. If you expect higher inflow of money in the coming years and you want to use it to pay off the mortgage, or if you want to repay the loan quicker, enter that amount in “One-time” row and specify the month and year in which you would like to include it in amortization table. If you have regular annual inflow of money and you want to include it in repayment, enter the value in “One-time yearly” row. Specify the month in which the amount should be taken in account. If you would like to add some extra money in every instalment, enter amount in “For each payment” row. All these additional payments will shorten the age of paying off the mortgage and reduce the interest.