01 / Starting point
Your mortgage
The lender payment drives the current term.
Timing and investment assumptions
How the comparison works
Both strategies use the same extra-cash plan. The result also invests any difference in required mortgage payments, so the comparison uses the same household cash at each payment.
02 / Your choice
Extra cash
Choose cash you could put toward the mortgage or invest instead.
Regular extra payments
Annual lump sums
One-time future lump sums
Mortgage prepayment privileges
Limits trigger warnings. The model does not calculate lender penalties.
03 / Future assumptions
Mortgage renewals
Set the rates and terms you want to explore. Blank rates carry forward.
At each renewal
A planned lump sum reduces the paydown mortgage first. The required payment is then recalculated for each scenario.
04 / Comparison
Your results
Cash-flow-matched position difference
Paydown net position
Invest net position
Paydown investments
Invest investments
Paydown mortgage remaining
Invest mortgage remaining
Breakeven annual return
Paydown payoff
Invest payoff
Lifetime mortgage interest saved
Year-by-year comparison