Mortgage vs Investment Calculator

We calculate how fast you'd pay off your mortgage with extra payments

We project investment growth if you invested instead

We account for taxes and inflation

We show multiple scenarios and a recommendation

Your Profile

Country

For tax calculation purposes

Capital Gains Tax

Set to your nation default

Risk Tolerance

Affects how recommendations are weighted

Mortgage Details

Remaining Balance

€

Current outstanding mortgage amount

Years Remaining

Remaining term on your mortgage

Interest Rate

Fixed Variable

Annual mortgage interest rate

Amortization Method

The repayment schedule structure of your mortgage

Extra Monthly Payment

€

Amount you can allocate monthly

One-off Payment Today

€

Optional lump sum to apply immediately

Your Investment Assumptions

Expected Return

Monthly: Returns are calculated and added each month (more realistic for most investments)

Annual: Returns are calculated once per year (simpler calculation)

Annual Monthly

Historical S&P 500 average: ~7%/y after inflation

Expected Inflation

Long-term average: ~2-3%

Important

This calculator is for educational purposes only and does not constitute financial advice. Please consult a qualified professional.

Analysis Complete

Your Results

Recommendation

Key Factors

Recommendation Confidence

Recommendation Warnings — Click to Expand

Strategy Comparison

Based on your assumptions over 20 years

Nominal

Real i Inflation-adjusted (Real) values show purchasing power in today's money. Cash flows such as returns and taxes are always shown in nominal terms.

Early Payoff

Pay extra toward mortgage

Payoff year

Interest saved €

After Payoff → Investment Phase

Monthly amount

Total Invested:

Final Worth

Pessimistic:

Base:

Optimistic:

Invest Instead

Keep mortgage, invest the difference

wins in of 3 scenarios

Range: to | Spread:

Net Worth Over Time