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Pay Off Mortgage Early Calculator
See how much interest you can save and how many years you can shave off your mortgage with extra payments.
Pay extra when
- Your mortgage rate is above 5%
- You have no high-interest debt
- You want guaranteed savings (no market risk)
- You are emotionally motivated by debt freedom
- You plan to stay in the home long-term
Invest instead when
- Your mortgage rate is below 4%
- You have not maxed out retirement accounts
- You are comfortable with market volatility
- You need the liquidity of investments
- You can earn significantly more than your rate
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