Financial tools
Mortgage vs. Investing Calculator
Compare paying extra toward your mortgage against investing the same amount.
$
%
yrs
$
%
Assumed, not guaranteed.
yrs
Current estimated principal & interest payment: $2,528
After 15 years
Extra toward mortgage principal
$213,545- Interest avoided: $61,772
- Additional equity built: $151,772
- Payoff accelerated by 10 yr 7 mo
Invest the same amount
$158,481- Contributed: $90,000
- Hypothetical growth: $68,481
- Value is not guaranteed and may be lower
Mortgage prepayment produces a certain, illiquid benefit equal to your interest rate. Investing produces an uncertain benefit with liquidity and risk. The larger number is not automatically the better decision.
Side-by-side comparison
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