🏡 Mortgage Payoff vs Market Investment

Finn

This calculator tackles the classic debate of paying down the mortgage versus investing extra cash, and it keeps the math strictly apples-to-apples over long time horizons. It correctly accounts for what happens when either strategy pays off the house early by assuming you keep investing the freed-up cash—a detail that usually makes my whiskers twitch when other calculators miss it. You'll want to make sure your expected investment return accounts for taxes, but otherwise, this is a highly reliable tool for mapping out your game plan.

Reviewed v26.7.1