Every Finance

Mortgage vs Investment Calculator

Find out whether you should invest your extra money in the stock market or pay off your mortgage early. This calculator compares investing in the market vs paying down your mortgage debt, showing you the optimal strategy for building long-term wealth based on your mortgage rate, expected investment returns, and tax situation

Current Mortgage Balance

Mortgage Interest Rate

Remaining Term (years)

Available Savings

Expected Investment Return

Tax Rate

Note: After mortgage payoff, it is assumed monthly payments will be reinvested

Final Net Worth After 25 Years

Keep Mortgage & Invest Now:

$0

Pay Off Mortgage First:

$0

Paying Off First Wins by $0

Net Worth Over Time

Yearly Breakdown

Year	Keep Mortgage & Invest Now			Pay Off Mortgage First
	Mortgage Balance	Investment Value	Net Worth	Mortgage Balance	Investment Value	Net Worth

Note: This calculator provides estimates based on constant rates of return and does not account for market volatility, changes in interest rates, or other economic factors. Please consult a financial advisor for personalized advice.