I hate to say it but there is no magic plan that lets you pay off your mortgage that involves some super genious mathematical computations or some sophisticated software. Basically the money merge account program can be simplified as you paying more each month to prinicipal. Now how you go about paying more to your principal can be done in a variety of ways but that is the only way you will pay off your mortgage quicker. Some might call me a disbeliever or basher for those that do I have a Bachelors of Science in Mathematics and and Minor in Computer Science. If you would like I can make you a program just like theirs giving you an amortization table and all sorts of features like if you make this additional payment to principal you will pay it off in X years and save X amount in interest. Don't worry I will only charge you 49.99 but if you act now I will charge you 29.99 and as a bonus I will send you a free sucker
(Or you can go to Bankrate.com and use their calculators for free. Here is a good article that explains in detail what a merge account program is and how you can do one on your own.
The Simple Dollar » Money Merge Accounts: Are They A Good Deal For Home Borrowers?