Financial Tools

Mortgage vs. Investing Calculator

See a simplified, side-by-side illustration of putting extra monthly cash toward your mortgage versus investing it instead.

This is one of the more personal financial decisions there is, and the "right" answer depends on more than math — your comfort with debt, job stability, and time horizon all matter. This tool offers a simplified illustration only, comparing your mortgage rate against an assumed investment return; it does not model your actual remaining mortgage balance, amortization schedule, or taxes.

Your Numbers

Extra monthly amount available ($) Mortgage interest rate (%) Years remaining on mortgage Assumed annual investment return (%)

How This Is Calculated

Both sides use the same math: your extra monthly amount compounded over the years you enter — once at your mortgage's interest rate (an illustrative stand-in for "guaranteed" interest saved by paying down debt), and once at your assumed investment return (which is never guaranteed). The two totals are shown side by side so you can see how the comparison shifts as your assumptions change.

Assumptions

This does not use your actual remaining mortgage balance or amortization schedule — it only illustrates the extra payment amount.
Investment returns are never guaranteed and will vary; mortgage interest saved is more predictable but still simplified here.
Taxes (including any tax-advantaged account used for investing), fees, and mortgage prepayment penalties or limits are not included.

Illustration only. This is a simplified comparison, not a recommendation. This tool is for educational and illustrative purposes only and does not represent financial, investment, tax, or legal advice.

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