SIPOMY

Should I Pay Off My House? A data-driven answer.

SIPOMY

Should I Pay Off My Mortgage or Invest?

Step 1 of 4:Loan Details

Loan Details

Enter your current mortgage information. We'll use this to calculate your payoff scenarios.

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Check your latest mortgage statement

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Annual interest rate (e.g., 6.5 for 6.5%)

Expected payoff: January 2050

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Principal + Interest only (exclude escrow for taxes and insurance)

Finding your mortgage information

You can find all this information on your latest mortgage statement. The monthly payment should only include principal and interest - don't include amounts for property taxes, insurance, HOA fees, or PMI.

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Make a Data-Driven Decision

Should you pay off your mortgage early or invest that money instead? Let's run the numbers to find out which strategy builds more wealth for your specific situation.

1

Enter Your Loan Details

Tell us about your mortgage - balance, rate, and payment.

2

Set Your Strategy

How much extra can you pay each month, and how should it split?

3

See the Results

Interactive charts show your wealth at retirement under each scenario.