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Should I pay off my house early or invest the difference?
An extra payment on the mortgage earns exactly your interest rate, guaranteed. The market has historically paid more, but not reliably and not on a schedule. This puts both on the same timeline.
Your mortgage
CURRENTThe spare money
EITHER WAYThe same amount goes either to the mortgage or into the market — that is what makes this a fair comparison.
Can be negative. Try dropping it a few points to see how quickly the answer flips.
Applied to growth above what you paid in, on both paths. Set it to 0 if you would be investing inside a 401(k) or IRA, where the growth is sheltered — that changes the answer.
Enter your mortgage details and the extra you could put in each month.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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