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Compound returns Mortgage breakdown Overpay vs invest
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Overpay the mortgage,
or invest the difference?

The honest answer is it depends — and now you'll know on what. We run both scenarios with your numbers, then show you the break-point where the decision flips.

Your situation
The mortgage
today
$
% p.a.
%
on loan
The choice
to overpay or invest
$
% p.a., after fees
%
Over 25 years, with $400/mo spare
Invest wins by ~$150,000.

At your mortgage rate (4.50%) and expected return (7.0%), investing the surplus produces ~$304k. Overpaying nets ~$154k.

Overpay net benefit
$154,200
interest saved + freedom earlier
Invest portfolio value
$304,000
probable, not guaranteed
Break-point
5.5%
mortgage rate at 7% return
The bit the math doesn't cover
Peace of mind is a real return. A defensible middle path: overpay enough to feel calm, invest the rest. Most of our Pro members who land here end up there.

You just ran the hypothetical.
Run it on your real money.

Save this scenario to your account — the AI tracks your actual saving rate, flags when you drift off track, and names the one thing eating your returns. Free for 34 days, no card.

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