Enter your loan and your spare money. The calculator plays out both paths month by month — the same money, two strategies — and shows which one leaves you wealthier at the end of your current loan term.
Investing comes out ahead by $11,803.85
after 25 years, with the same money in both scenarios
Above 6.7% a year investing wins; below it, overpaying wins.
$125,588.47
vs keeping the original schedule
109 months
when you overpay instead of investing
$679,717.09
$691,520.94
Overpaying is a sure saving at your loan rate. Investment returns are not guaranteed — they can end up higher or lower than you assume.
Years
Create a free account and this scenario's contribution plan — the same amounts over the same years — becomes your goal to track. The goal tracks the invested pot, not the repaid home.
This calculator provides simplified estimates for educational purposes only and is not financial advice. Real loans and investment returns will differ. Consult a qualified financial advisor before making decisions.
Most articles answer this question with opinions. The honest answer is arithmetic. Overpaying your mortgage is a guaranteed saving: every extra unit of currency stops accruing interest at your loan rate, tax-free. Investing the same money can earn more — or less — and gains are usually taxed. To compare fairly, both scenarios here spend exactly the same amount every month. In the overpayment scenario the loan ends early, and from that month the whole freed-up installment is invested too. At the end of your original loan term both paths hold the same repaid home plus an investment pot, so the difference between them is real. The key number is the break-even return: above it investing wins, below it overpaying wins. It usually sits close to your loan rate — higher once you account for tax on investment gains.