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You Have Margin in Your Budget - Should You Invest or Pay Down Your Mortgage?

Should you pay extra on your mortgage or invest that money instead? This calculator helps you compare your options.

Enter your current mortgage details, the extra amount you have available each month, and your expected investment return. The calculator will show you three scenarios:

  1. Putting all extra money towards your mortgage
  2. Investing all extra money
  3. A split approach based on your chosen ratio

Compare the results to see which strategy might work best for your financial goals. Remember, this tool provides estimates based on consistent returns and doesn't account for market volatility or changes in your financial situation.

Mortgage vs Invest Calculator

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