Should I Pay Off My House?
Stop guessing. Get a personalized answer based on your mortgage, your investment returns, and your financial goals.
You have extra money each month. Should you pay down your mortgage or invest it? The answer depends on many factors, and generic advice doesn't cut it.
"Just invest in the market" ignores your 6.5% mortgage interest. "Always pay off debt first" ignores potential 10% investment returns. Your situation is unique.
Choosing the wrong strategy could cost you hundreds of thousands in lost wealth by retirement. The math matters, and it's different for everyone.
Your interest rate, tax bracket, expected returns, and time horizon all change the optimal answer. One-size-fits-all doesn't work here.
Three simple steps to get a personalized, data-driven answer
Tell us about your mortgage: balance, interest rate, monthly payment, and when you started.
How much can you pay extra each month? What returns do you expect from investments?
Instantly see 21 scenarios from "all mortgage" to "all investment" and everything in between.
Powerful features designed to give you confidence in your decision
21 scenarios calculated in under 20 milliseconds. No waiting, just answers.
Beautiful charts that update in real-time as you explore different strategies.
All calculations run in your browser. No data sent to servers. Your financial info stays private.
Automatically identifies the allocation that maximizes your net worth at retirement.
See side-by-side comparisons of pure mortgage payoff, pure investing, and balanced strategies.
Complete 30-year projection showing mortgage balance, investments, and net worth each year.
Join thousands of homeowners who've discovered their optimal mortgage payoff strategy
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