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When you have surplus cash, you can overpay your mortgage (guaranteed return at your rate) or invest it (potentially higher but uncertain returns).
Stapsgewijze handleiding
- 1Mortgage saving = Extra payment x mortgage rate (compounded)
- 2Investment return = Extra payment invested at market rate
- 3If investment return > mortgage rate: investing wins mathematically
Uitgewerkte voorbeelden
Veelgestelde vragen
What is Mortgage Vs Invest?
When you have surplus cash, you can overpay your mortgage (guaranteed return at your rate) or invest it (potentially higher but uncertain returns). Use this calculator for accurate, instant results.
How accurate is the Mortgage Vs Invest calculator?
The calculator uses the standard published formula for mortgage vs invest. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.
What units does the Mortgage Vs Invest calculator use?
This calculator works with inches, watts. You can enter values in the units shown — the calculator handles all conversions internally.
What formula does the Mortgage Vs Invest calculator use?
The core formula is: Mortgage saving = Extra payment x mortgage rate (compounded). Each step in the calculation is shown so you can verify the result manually.
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