🧮 Interactive Tool

Mortgage vs. Invest Calculator

Should you put extra money toward your mortgage or invest it? Adjust the sliders and see both paths unfold side by side.

📖 New to this decision? Read Should You Pay Off Your Mortgage or Invest? for the full breakdown with examples and strategies.

Your Numbers

Drag the sliders or click the values to type exact numbers. We'll calculate both paths instantly.

🏠 Your Mortgage

$25K$1M
0.5%10%
0.5%10%
1 yr30 yrs
Interest + amortization, auto-calculated
Interest-Only Mode
Pay only the interest — invest everything else
⚠️ Interest-only mode: Your mortgage balance never decreases. You'll pay only the monthly interest and invest the full extra amount plus what would have gone to principal. This shows the maximum investing scenario.

📈 Investment Assumptions

3%14%
0%8%
$0$500K

💰 Extra Monthly Amount

This is the key question: what happens if you put this extra money toward your mortgage vs. into investments each month?
$50$5,000

🧾 Tax Considerations (Optional)

0%40%
NoYes
🔒 Rate Lock Comparison (3rd Path)
Compare variable rate vs fixed — save the rate difference yourself

🔒 Rate Lock Comparison

Your mortgage rate above is your variable rate. A fixed rate costs more — that extra cost is a fee to the bank for certainty. What if you invested that fee yourself instead?
0.125%3%
By staying variable, you save
$0/mo
—
🏠
Pay Off Mortgage
Net Worth After 25 Years
$0
Interest Saved: $0
Mortgage-Free In: — years
VS
📈
Invest Instead
Net Worth After 25 Years
$0
Portfolio Value: $0
Total Contributed: $0
+
🔒
Variable + Invest Diff
Net Worth After 25 Years
$0
Rate Savings: $0
Monthly Savings: $0/mo

The Big Picture

Watch how each strategy builds your wealth over time — click Expand for a full-screen view

Market:

Chart

📖
Want the Full Breakdown?
Read our in-depth article on the math, psychology, and real-world scenarios behind this decision.
Read the Article →

Year-by-Year Breakdown

Every number, every year — see exactly where your money goes

Year Mortgage Balance
(Pay Off)		 Interest Saved
(Cumulative)		 Mortgage Balance
(Invest)		 Portfolio Value Net Worth
(Pay Off)		 Net Worth
(Invest)		 Winner

Saved Scenarios

Compare different what-if situations by saving your current settings

No saved scenarios yet. Adjust the sliders and save different configurations to compare.

Ready to Take Action?

Whether you choose to invest or pay off your mortgage, the best move is the one you actually make. Start today.

Explore High-Yield Savings →
⚠️ Financial Disclaimer: This calculator is for educational and informational purposes only. It uses simplified assumptions and does not account for all variables (market volatility, tax law changes, property value changes, etc.). This is not financial advice. Please consult with a qualified financial advisor before making any major financial decisions. Past investment returns do not guarantee future results.