Payoff vs Invest Calculator
Should you pay off your mortgage early or invest the difference? Compare both paths honestly — interest saved vs compounded gains.
Recommendation
Invest the extra
Your investments earn roughly 0.1% after tax vs 6.5% on your loan — a 0.3-point spread in favor of investing. Over the full term, that compounds into ~$18,910 more net worth by letting the extra cash grow in the market instead of killing loan principal early.
Your loan
Your extra cash
After-tax return
6.80%
Net worth over time
You might also like
Dropshipping Profit Margin Calculator
Calculate true dropshipping net margin after supplier cost, shipping, payment processing, return rate, and optional ad spend. See break-even sale price and ROAS needed to be profitable before running paid traffic.
Try it →
HBTax: Platform Fee Calculator
Compare selling fees across eBay, Etsy, Poshmark, Depop, Facebook Marketplace, and Mercari. Enter sale price, shipping, and item cost — see net proceeds and profit on all 6 platforms side by side with the winner highlighted.
Try it →
Business Asset Depreciation Calculator
Model four depreciation methods for any business asset: MACRS (IRS standard half-year convention), Straight-Line, Section 179 full first-year expensing (2024 limit $1.22M), and 60% Bonus Depreciation. Enter asset cost, class (5-yr, 7-yr, 27.5-yr, 39-yr), business use %, and marginal rate to get a year-by-year deduction schedule, total tax savings, and NPV at 7%.
Try it →
You might also like
Dropshipping Profit Margin Calculator
Calculate true dropshipping net margin after supplier cost, shipping, payment processing, return rate, and optional ad spend. See break-even sale price and ROAS needed to be profitable before running paid traffic.
Try it →
HBTax: Platform Fee Calculator
Compare selling fees across eBay, Etsy, Poshmark, Depop, Facebook Marketplace, and Mercari. Enter sale price, shipping, and item cost — see net proceeds and profit on all 6 platforms side by side with the winner highlighted.
Try it →
Business Asset Depreciation Calculator
Model four depreciation methods for any business asset: MACRS (IRS standard half-year convention), Straight-Line, Section 179 full first-year expensing (2024 limit $1.22M), and 60% Bonus Depreciation. Enter asset cost, class (5-yr, 7-yr, 27.5-yr, 39-yr), business use %, and marginal rate to get a year-by-year deduction schedule, total tax savings, and NPV at 7%.
Try it →
Net worth = portfolio value − remaining loan balance
Numbers never leave your browser · Not financial advice
You might also like
Dropshipping Profit Margin Calculator
Calculate true dropshipping net margin after supplier cost, shipping, payment processing, return rate, and optional ad spend. See break-even sale price and ROAS needed to be profitable before running paid traffic.
Try it →
HBTax: Platform Fee Calculator
Compare selling fees across eBay, Etsy, Poshmark, Depop, Facebook Marketplace, and Mercari. Enter sale price, shipping, and item cost — see net proceeds and profit on all 6 platforms side by side with the winner highlighted.
Try it →
Business Asset Depreciation Calculator
Model four depreciation methods for any business asset: MACRS (IRS standard half-year convention), Straight-Line, Section 179 full first-year expensing (2024 limit $1.22M), and 60% Bonus Depreciation. Enter asset cost, class (5-yr, 7-yr, 27.5-yr, 39-yr), business use %, and marginal rate to get a year-by-year deduction schedule, total tax savings, and NPV at 7%.
Try it →