Sure, no doubt in many cases the interest savings would be worth it. The real benefit of looking at the timing of savings is apparent when comparing multiple loans with different contract terms, and trying to figure out which you should be paying off quickly. All else being equal, two fixed-payment loans - one with 120 months remaining and the other with 360 months remaining - each have different "savings profiles". That is, they have different points in the future when the savings are actually going to recognized as well as different interest savings amounts. It can get kinda difficult trying to figure out if saving $1000 in 10 years is better than saving $1500 in 30 years, for example.