Option 1 = FREE SITE go to www.bloomberg.com play with the different amortization schedules, put in extra payments to your mortgage and see how many years you take off your mortgage payments. See how much interest you save in the long run.
Option 2 - go to www.solongbills.com and for approx. $30.00 purchase a program that tracks your expenses and income and shows you how to save and payoff your mortgage.