There is one on this site.....www.easyrate.ca Look under Mortgage tools and calculators on the left. Helped me!

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I am trying to figure out whether taking out my 401k would be beneficial or not. i fugure, since i have about $40,000 in my 401k, that less penalities and taxes, i have about $22,000 or so. if i pay $22,000 into my mortgage now, that will save me around $40,000. i figure in that case i just saved $22,000, after subtracting the $18,000 in cost me to use this. ($40,000 saved, but lost $18,000 to pay off early, this 40000-18000=22000) i'm wondering if there's something i'm not thinking about, missing, or what, because this seems far to logical to ignore. i know i won't have a 401k for now, but i can start over. and with the money i save i can use that. not only am i saving money on the mortgage itself, but since the mortgage will be paid off sooner, i would be able to save the entire amount the mortgage would be in the future.i don't want to do this so that i can afford a new vehicle or anything, i want to do this to essentially pay off my home as quickly as possible and make my money as efficent as possible. if you do believe this is not smart, where can i find a good apr calculator or other finance tools to better do my math, as i was unable to find any good sources.

This is a little more complex then this simple maths. Depending upon your tax bracket, savings in taxes due to interest exemption, property appreciation rates in your local area ( historically they have been 5% nationwide) and the future value of 401k in the time frame you are looking it will determine if you are making the right choice. In my experience it is beneficial to keep the 401k and pay the mortgage, it also keeps liquidity for short term if needed. Look into a full investment plan to reach your goals.