Smart Mortgage Decisions

Should You Pay Off Your Mortgage Early or Invest Instead?

Get a clear, unbiased comparison of prepaying your mortgage versus investing that extra money. See exactly how much you could save — or earn.

Everything You Need to Decide

Comprehensive tools to analyze your mortgage payoff strategy with confidence.

See exactly how much interest you save with extra payments over the life of your loan.

Calculate how many years and months earlier you can be mortgage-free.

Compare total wealth outcomes to make the optimal financial decision.

View detailed month-by-month breakdowns with and without extra payments.

Factor in mortgage interest deductions and capital gains taxes for accurate results.

Create an account to save multiple scenarios and compare them side by side.

Enter your mortgage details and get an instant, comprehensive analysis of your payoff options.

Explore more tools to help with your mortgage decisions.

Calculate monthly payments for any loan amount, rate, and term.

See if refinancing at a lower rate could save you money.

Find out how bi-weekly or lump-sum payments reduce your term.

Determine how much home you can afford based on income.