Got a lump sum? Compare putting it toward your mortgage with investing it, and see the investment return you'd need for investing to come out ahead.
$33,268
Pay down the mortgage: ahead by
$33,268
Net worth after 25 years · investing wins if returns beat 7.9%
Net worth over time
$212,077
$245,346
Net worth by year
| Year | Invest the lump sum | Pay down the mortgage |
|---|---|---|
| 1 | -$242,072 | -$241,698 |
| 2 | -$233,635 | -$232,840 |
| 3 | -$224,656 | -$223,389 |
| 4 | -$215,101 | -$213,305 |
| 5 | -$204,933 | -$202,546 |
| 6 | -$194,112 | -$191,066 |
| 7 | -$182,595 | -$178,817 |
| 8 | -$170,339 | -$165,748 |
| 9 | -$157,295 | -$151,803 |
| 10 | -$143,413 | -$136,925 |
| 11 | -$128,639 | -$121,050 |
| 12 | -$112,915 | -$104,112 |
| 13 | -$96,179 | -$86,040 |
| 14 | -$78,368 | -$66,757 |
| 15 | -$59,411 | -$46,183 |
| 16 | -$39,234 | -$24,232 |
| 17 | -$17,758 | -$810 |
| 18 | $5,099 | $24,105 |
| 19 | $29,428 | $50,503 |
| 20 | $55,324 | $78,471 |
| 21 | $82,887 | $108,104 |
| 22 | $112,225 | $139,499 |
| 23 | $143,454 | $172,763 |
| 24 | $176,694 | $208,006 |
| 25 | $212,077 | $245,346 |
