🏡 Your Financial Situation
Inspired by this Bogleheads post, this calculator helps you analyze the common financial question: should you pay off your mortgage early or invest the extra cash? It compares the potential net worth outcomes of both strategies over a period you define. The analysis considers investment returns, mortgage interest, and tax deductions to give you a clearer picture.
📈 Analysis Assumptions
Investment returns are not guaranteed. Comparing a guaranteed return (paying off debt) to a variable one (stocks) can be misleading. For a fairer comparison, financial experts often compare the after-tax mortgage rate to the return on a similarly low-risk investment, like high-quality bonds. This calculator allows for both comparisons.
🏆 Results
Net Worth (Pay Off)
Net Worth (Invest)
Advantage (Invest)
Risk-Adjusted Advantage
Last updated by mahmoud (v25.11.1) · View history (3 versions since Nov 17, 2025)
Privacy: None of your data is transmitted to the author of this view or any other third parties. Financial inputs are not used to for identification purposes, and are only used to calculate the result.
Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.
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