Payoff vs Invest Calculator
Should you pay off your mortgage early or invest the difference? Compare both paths honestly — interest saved vs compounded gains.
Recommendation
Invest the extra
Your investments earn roughly 0.1% after tax vs 6.5% on your loan — a 0.3-point spread in favor of investing. Over the full term, that compounds into ~$18,910 more net worth by letting the extra cash grow in the market instead of killing loan principal early.
Your loan
Your extra cash
After-tax return
6.80%
Net worth over time
Net worth = portfolio value − remaining loan balance
Numbers never leave your browser · Not financial advice
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