Debt vs investing calculator

The calculator compares three outcomes using the same assumptions: a standard mortgage, an additional payment strategy that applies surplus cash to principal, and an investing strategy that grows a portfolio under a selected policy. Each path starts with the same loan terms and horizon so you can see how monthly surplus and any one-time lump sum shift payoff time, total paid, and net worth at term. The decision summary surfaces the key metrics, while the chart shows how balances evolve month by month.

Use the presets to explore typical scenarios or tune the inputs to your situation. If you want to understand how the model treats taxes, fees, or home growth, review the assumptions page. When you are ready, compare the outcomes and decide which path aligns with your payoff timeline and long-term net worth goals.