Borrowing
Mortgage overpayment versus investing calculator
Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets.
Content updated . Assumptions reviewed .
Your inputs
Showing the example. Edit your inputs, then calculate.
Overpayment minus investing wealth
-28,438.64 USD
Overpayment minus investing net wealth at the same end date. The modeled probability reflects only the assumptions entered.
- Monthly Cash Budget
- 2,253.77
- Scheduled Mortgage Payment
- 1,753.77
- Overpay Payoff Month
- 195
- Regular Payoff Month
- 300
- Overpay Debt
- 0
- Invest Debt
- 0
- Overpay Liquid Assets
- 405,543.26
- Invest Liquid Assets
- 433,981.9
- Overpay Interest
- 138,418.22
- Invest Interest
- 226,131.04
- Overpay Insurance
- 0
- Invest Insurance
- 0
- Closing Cost
- 0
- Protected Cash
- 10,000
- Probability Overpay Higher
- 58.8
- Probability Equal
- 0
- Difference P10
- -192,997.28
- Difference P50
- 18,727.91
- Difference P90
- 96,696
- Paths
- 250
Illustrative result from your inputs and the dated assumptions shown; not a forecast, recommendation or offer
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions. Read the disclaimer.
Personal and commercial use is free with credit to KlarFort. See usage and credit.
About this calculator
Compare two uses of the same spare monthly cash: paying down a mortgage faster or investing while making scheduled payments. Both options use one end date and the same total monthly cash budget.
The comparison includes mortgage interest, an entered overpayment cost and insurance removal at your chosen loan-to-value threshold. It also shows investment scenarios driven by your return and volatility assumptions.
How to use this calculator
- Enter the mortgage balance, remaining term, annual rate, home value and extra cash available each month.
- Choose a common comparison horizon and enter investment return, volatility and simulation settings.
- Add investment cash, a separate protected cash reserve, any upfront overpayment cost and mortgage-insurance details.
- Calculate and compare the wealth difference, payoff dates, liquid assets and simulated range.
Understand your result
A positive headline difference means the overpayment option ends with more modeled net wealth. A negative difference means the investing option ends with more. The shared home value cancels from this comparison.
Liquid assets show the investment balance plus protected cash. Model probabilities count simulated outcomes under your assumptions; they are not estimates of your actual chance of outperforming.
Questions about this calculator
What happens after the mortgage is paid off?
The cash no longer needed for mortgage payments is invested at month end through the same comparison horizon. Savings from modeled mortgage-insurance removal are also invested.
Does the model compare the same market conditions?
Yes. Within each simulation path, both options experience the same monthly investment returns. This isolates the modeled effect of directing cash to mortgage payments or investments.
Are taxes and investment fees included?
No. The comparison includes mortgage interest, entered mortgage insurance and the upfront cost assigned to overpayment. Investment taxes, other fees, future mortgage-rate changes and home-price changes are excluded.
Where do my figures go?
Your page calculations run in this browser. The API and connected assistants send the inputs supplied to them to our Cloudflare Worker. See Privacy.
How can I reproduce this result?
Use the same inputs and assumptions shown here. Simulation seeds reproduce the same paths. Read the calculation documentation.
Your calculation table
View all 300 rows
| Month | Overpay Debt | Invest Debt | Overpay Investments | Invest Investments | Wealth Difference |
|---|---|---|---|---|---|
| 1 | 298,996.23 | 299,496.23 | 20,097.35 | 20,597.35 | 0 |
| 2 | 297,988.28 | 298,990.36 | 20,195.18 | 21,197.61 | -0.35 |
| 3 | 296,976.13 | 298,482.38 | 20,293.48 | 21,800.79 | -1.05 |
| 4 | 295,959.76 | 297,972.29 | 20,392.26 | 22,406.91 | -2.12 |
| 5 | 294,939.15 | 297,460.07 | 20,491.52 | 23,015.97 | -3.54 |
| 6 | 293,914.29 | 296,945.72 | 20,591.26 | 23,628 | -5.32 |
| 7 | 292,885.17 | 296,429.22 | 20,691.49 | 24,243.02 | -7.47 |
| 8 | 291,851.75 | 295,910.57 | 20,792.21 | 24,861.02 | -9.99 |
| 9 | 290,814.03 | 295,389.76 | 20,893.41 | 25,482.03 | -12.88 |
| 10 | 289,771.99 | 294,866.78 | 20,995.11 | 26,106.07 | -16.15 |
| 11 | 288,725.6 | 294,341.63 | 21,097.31 | 26,733.14 | -19.8 |
| 12 | 287,674.85 | 293,814.28 | 21,200 | 27,363.26 | -23.84 |
| 13 | 286,619.73 | 293,284.74 | 21,303.19 | 27,996.46 | -28.26 |
| 14 | 285,560.21 | 292,752.99 | 21,406.89 | 28,632.73 | -33.06 |
| 15 | 284,496.27 | 292,219.02 | 21,511.09 | 29,272.1 | -38.27 |
| 16 | 283,427.9 | 291,682.83 | 21,615.79 | 29,914.59 | -43.87 |
| 17 | 282,355.08 | 291,144.4 | 21,721.01 | 30,560.2 | -49.86 |
| 18 | 281,277.79 | 290,603.73 | 21,826.74 | 31,208.95 | -56.27 |
| 19 | 280,196.01 | 290,060.81 | 21,932.98 | 31,860.86 | -63.08 |
| 20 | 279,109.72 | 289,515.63 | 22,039.74 | 32,515.94 | -70.3 |
| 21 | 278,018.91 | 288,968.18 | 22,147.02 | 33,174.22 | -77.93 |
| 22 | 276,923.55 | 288,418.44 | 22,254.82 | 33,835.69 | -85.99 |
| 23 | 275,823.63 | 287,866.41 | 22,363.15 | 34,500.39 | -94.46 |
| 24 | 274,719.13 | 287,312.09 | 22,472 | 35,168.32 | -103.36 |
| 25 | 273,610.02 | 286,755.45 | 22,581.38 | 35,839.51 | -112.69 |
| 26 | 272,496.29 | 286,196.49 | 22,691.3 | 36,513.96 | -122.46 |
| 27 | 271,377.92 | 285,635.21 | 22,801.75 | 37,191.69 | -132.65 |
| 28 | 270,254.89 | 285,071.59 | 22,912.74 | 37,872.72 | -143.29 |
| 29 | 269,127.18 | 284,505.61 | 23,024.27 | 38,557.07 | -154.37 |
| 30 | 267,994.78 | 283,937.28 | 23,136.34 | 39,244.75 | -165.9 |
| 31 | 266,857.65 | 283,366.59 | 23,248.96 | 39,935.78 | -177.89 |
| 32 | 265,715.79 | 282,793.51 | 23,362.12 | 40,630.17 | -190.32 |
| 33 | 264,569.17 | 282,218.05 | 23,475.84 | 41,327.93 | -203.22 |
| 34 | 263,417.77 | 281,640.18 | 23,590.11 | 42,029.1 | -216.58 |
| 35 | 262,261.57 | 281,059.91 | 23,704.94 | 42,733.68 | -230.4 |
| 36 | 261,100.56 | 280,477.23 | 23,820.32 | 43,441.69 | -244.7 |
| 37 | 259,934.71 | 279,892.11 | 23,936.27 | 44,153.14 | -259.47 |
| 38 | 258,764 | 279,304.56 | 24,052.78 | 44,868.06 | -274.72 |
| 39 | 257,588.41 | 278,714.56 | 24,169.86 | 45,586.46 | -290.46 |
| 40 | 256,407.93 | 278,122.1 | 24,287.5 | 46,308.35 | -306.68 |
| 41 | 255,222.52 | 277,527.17 | 24,405.72 | 47,033.76 | -323.39 |
| 42 | 254,032.18 | 276,929.76 | 24,524.52 | 47,762.7 | -340.6 |
| 43 | 252,836.88 | 276,329.87 | 24,643.89 | 48,495.19 | -358.3 |
| 44 | 251,636.6 | 275,727.47 | 24,763.85 | 49,231.24 | -376.51 |
| 45 | 250,431.31 | 275,122.57 | 24,884.39 | 49,970.88 | -395.23 |
| 46 | 249,221 | 274,515.14 | 25,005.52 | 50,714.11 | -414.46 |
| 47 | 248,005.66 | 273,905.18 | 25,127.23 | 51,460.96 | -434.21 |
| 48 | 246,785.24 | 273,292.68 | 25,249.54 | 52,211.45 | -454.47 |
| 49 | 245,559.74 | 272,677.63 | 25,372.44 | 52,965.6 | -475.26 |
| 50 | 244,329.14 | 272,060.02 | 25,495.94 | 53,723.41 | -496.58 |
| 51 | 243,093.41 | 271,439.83 | 25,620.05 | 54,484.91 | -518.44 |
| 52 | 241,852.53 | 270,817.06 | 25,744.75 | 55,250.12 | -540.83 |
| 53 | 240,606.48 | 270,191.7 | 25,870.07 | 56,019.05 | -563.76 |
| 54 | 239,355.23 | 269,563.73 | 25,995.99 | 56,791.73 | -587.24 |
| 55 | 238,098.78 | 268,933.14 | 26,122.53 | 57,568.16 | -611.27 |
| 56 | 236,837.08 | 268,299.92 | 26,249.68 | 58,348.38 | -635.86 |
| 57 | 235,570.13 | 267,664.07 | 26,377.45 | 59,132.39 | -661 |
| 58 | 234,297.91 | 267,025.57 | 26,505.85 | 59,920.22 | -686.72 |
| 59 | 233,020.38 | 266,384.4 | 26,634.86 | 60,711.89 | -713 |
| 60 | 231,737.53 | 265,740.57 | 26,764.51 | 61,507.4 | -739.85 |
| 61 | 230,449.33 | 265,094.05 | 26,894.79 | 62,306.8 | -767.29 |
| 62 | 229,155.76 | 264,444.84 | 27,025.7 | 63,110.08 | -795.3 |
| 63 | 227,856.81 | 263,792.92 | 27,157.25 | 63,917.27 | -823.91 |
| 64 | 226,552.44 | 263,138.29 | 27,289.44 | 64,728.39 | -853.1 |
| 65 | 225,242.64 | 262,480.93 | 27,422.27 | 65,543.46 | -882.9 |
| 66 | 223,927.38 | 261,820.83 | 27,555.75 | 66,362.49 | -913.3 |
| 67 | 222,606.64 | 261,157.98 | 27,689.88 | 67,185.52 | -944.3 |
| 68 | 221,280.4 | 260,492.37 | 27,824.66 | 68,012.55 | -975.92 |
| 69 | 219,948.63 | 259,823.98 | 27,960.1 | 68,843.6 | -1,008.15 |
| 70 | 218,611.31 | 259,152.81 | 28,096.2 | 69,678.7 | -1,041.01 |
| 71 | 217,268.42 | 258,478.84 | 28,232.96 | 70,517.86 | -1,074.49 |
| 72 | 215,919.94 | 257,802.07 | 28,370.38 | 71,361.11 | -1,108.6 |
| 73 | 214,565.84 | 257,122.47 | 28,508.48 | 72,208.47 | -1,143.35 |
| 74 | 213,206.09 | 256,440.05 | 28,647.24 | 73,059.95 | -1,178.74 |
| 75 | 211,840.68 | 255,754.78 | 28,786.68 | 73,915.57 | -1,214.78 |
| 76 | 210,469.58 | 255,066.65 | 28,926.81 | 74,775.36 | -1,251.48 |
| 77 | 209,092.76 | 254,375.66 | 29,067.61 | 75,639.33 | -1,288.83 |
| 78 | 207,710.21 | 253,681.79 | 29,209.1 | 76,507.51 | -1,326.84 |
| 79 | 206,321.9 | 252,985.03 | 29,351.27 | 77,379.91 | -1,365.52 |
| 80 | 204,927.81 | 252,285.36 | 29,494.14 | 78,256.56 | -1,404.87 |
| 81 | 203,527.9 | 251,582.78 | 29,637.71 | 79,137.48 | -1,444.9 |
| 82 | 202,122.17 | 250,877.27 | 29,781.97 | 80,022.69 | -1,485.61 |
| 83 | 200,710.57 | 250,168.82 | 29,926.93 | 80,912.2 | -1,527.02 |
| 84 | 199,293.1 | 249,457.42 | 30,072.61 | 81,806.04 | -1,569.11 |
| 85 | 197,869.71 | 248,743.06 | 30,218.99 | 82,704.24 | -1,611.91 |
| 86 | 196,440.4 | 248,025.72 | 30,366.08 | 83,606.81 | -1,655.41 |
| 87 | 195,005.13 | 247,305.39 | 30,513.89 | 84,513.77 | -1,699.63 |
| 88 | 193,563.88 | 246,582.06 | 30,662.41 | 85,425.14 | -1,744.55 |
| 89 | 192,116.63 | 245,855.71 | 30,811.66 | 86,340.95 | -1,790.21 |
| 90 | 190,663.35 | 245,126.34 | 30,961.64 | 87,261.22 | -1,836.58 |
| 91 | 189,204.01 | 244,393.93 | 31,112.35 | 88,185.97 | -1,883.7 |
| 92 | 187,738.59 | 243,658.47 | 31,263.79 | 89,115.22 | -1,931.55 |
| 93 | 186,267.06 | 242,919.94 | 31,415.97 | 90,048.99 | -1,980.14 |
| 94 | 184,789.4 | 242,178.34 | 31,568.89 | 90,987.31 | -2,029.49 |
| 95 | 183,305.59 | 241,433.64 | 31,722.55 | 91,930.2 | -2,079.59 |
| 96 | 181,815.59 | 240,685.85 | 31,876.96 | 92,877.67 | -2,130.45 |
| 97 | 180,319.39 | 239,934.94 | 32,032.12 | 93,829.76 | -2,182.08 |
| 98 | 178,816.95 | 239,180.89 | 32,188.04 | 94,786.48 | -2,234.49 |
| 99 | 177,308.25 | 238,423.71 | 32,344.72 | 95,747.86 | -2,287.67 |
| 100 | 175,793.26 | 237,663.37 | 32,502.16 | 96,713.91 | -2,341.64 |
| 101 | 174,271.96 | 236,899.87 | 32,660.36 | 97,684.67 | -2,396.41 |
| 102 | 172,744.33 | 236,133.18 | 32,819.34 | 98,660.16 | -2,451.97 |
| 103 | 171,210.32 | 235,363.3 | 32,979.09 | 99,640.39 | -2,508.33 |
| 104 | 169,669.93 | 234,590.21 | 33,139.62 | 100,625.4 | -2,565.5 |
| 105 | 168,123.12 | 233,813.9 | 33,300.93 | 101,615.2 | -2,623.49 |
| 106 | 166,569.86 | 233,034.35 | 33,463.02 | 102,609.81 | -2,682.3 |
| 107 | 165,010.13 | 232,251.56 | 33,625.9 | 103,609.27 | -2,741.94 |
| 108 | 163,443.9 | 231,465.5 | 33,789.58 | 104,613.6 | -2,802.42 |
| 109 | 161,871.15 | 230,676.17 | 33,954.05 | 105,622.81 | -2,863.73 |
| 110 | 160,291.84 | 229,883.55 | 34,119.32 | 106,636.93 | -2,925.9 |
| 111 | 158,705.96 | 229,087.63 | 34,285.4 | 107,655.99 | -2,988.92 |
| 112 | 157,113.46 | 228,288.39 | 34,452.29 | 108,680.01 | -3,052.79 |
| 113 | 155,514.33 | 227,485.82 | 34,619.99 | 109,709.02 | -3,117.54 |
| 114 | 153,908.54 | 226,679.91 | 34,788.5 | 110,743.03 | -3,183.16 |
| 115 | 152,296.05 | 225,870.64 | 34,957.84 | 111,782.08 | -3,249.66 |
| 116 | 150,676.85 | 225,058 | 35,127.99 | 112,826.19 | -3,317.04 |
| 117 | 149,050.9 | 224,241.97 | 35,298.98 | 113,875.37 | -3,385.32 |
| 118 | 147,418.17 | 223,422.54 | 35,470.8 | 114,929.67 | -3,454.5 |
| 119 | 145,778.65 | 222,599.7 | 35,643.46 | 115,989.09 | -3,524.58 |
| 120 | 144,132.29 | 221,773.43 | 35,816.95 | 117,053.68 | -3,595.58 |
| 121 | 142,479.07 | 220,943.71 | 35,991.29 | 118,123.44 | -3,667.5 |
| 122 | 140,818.96 | 220,110.54 | 36,166.48 | 119,198.41 | -3,740.35 |
| 123 | 139,151.94 | 219,273.9 | 36,342.53 | 120,278.62 | -3,814.13 |
| 124 | 137,477.97 | 218,433.77 | 36,519.43 | 121,364.08 | -3,888.85 |
| 125 | 135,797.02 | 217,590.14 | 36,697.19 | 122,454.82 | -3,964.52 |
| 126 | 134,109.07 | 216,743 | 36,875.81 | 123,550.88 | -4,041.14 |
| 127 | 132,414.09 | 215,892.32 | 37,055.31 | 124,652.27 | -4,118.73 |
| 128 | 130,712.04 | 215,038.1 | 37,235.67 | 125,759.02 | -4,197.29 |
| 129 | 129,002.91 | 214,180.32 | 37,416.92 | 126,871.16 | -4,276.82 |
| 130 | 127,286.65 | 213,318.97 | 37,599.05 | 127,988.71 | -4,357.34 |
| 131 | 125,563.24 | 212,454.03 | 37,782.07 | 129,111.7 | -4,438.85 |
| 132 | 123,832.65 | 211,585.49 | 37,965.97 | 130,240.16 | -4,521.35 |
| 133 | 122,094.85 | 210,713.32 | 38,150.77 | 131,374.11 | -4,604.87 |
| 134 | 120,349.81 | 209,837.52 | 38,336.47 | 132,513.58 | -4,689.39 |
| 135 | 118,597.5 | 208,958.08 | 38,523.08 | 133,658.6 | -4,774.94 |
| 136 | 116,837.88 | 208,074.97 | 38,710.59 | 134,809.19 | -4,861.51 |
| 137 | 115,070.94 | 207,188.17 | 38,899.02 | 135,965.38 | -4,949.12 |
| 138 | 113,296.63 | 206,297.69 | 39,088.36 | 137,127.2 | -5,037.78 |
| 139 | 111,514.93 | 205,403.49 | 39,278.62 | 138,294.67 | -5,127.48 |
| 140 | 109,725.8 | 204,505.57 | 39,469.81 | 139,467.83 | -5,218.24 |
| 141 | 107,929.22 | 203,603.91 | 39,661.94 | 140,646.69 | -5,310.07 |
| 142 | 106,125.16 | 202,698.49 | 39,854.99 | 141,831.3 | -5,402.98 |
| 143 | 104,313.58 | 201,789.29 | 40,048.99 | 143,021.67 | -5,496.96 |
| 144 | 102,494.45 | 200,876.31 | 40,243.93 | 144,217.83 | -5,592.04 |
| 145 | 100,667.74 | 199,959.53 | 40,439.82 | 145,419.82 | -5,688.21 |
| 146 | 98,833.42 | 199,038.92 | 40,636.66 | 146,627.66 | -5,785.49 |
| 147 | 96,991.45 | 198,114.48 | 40,834.46 | 147,841.38 | -5,883.89 |
| 148 | 95,141.81 | 197,186.19 | 41,033.23 | 149,061 | -5,983.4 |
| 149 | 93,284.47 | 196,254.02 | 41,232.96 | 150,286.56 | -6,084.05 |
| 150 | 91,419.38 | 195,317.98 | 41,433.66 | 151,518.09 | -6,185.83 |
| 151 | 89,546.53 | 194,378.03 | 41,635.34 | 152,755.61 | -6,288.76 |
| 152 | 87,665.87 | 193,434.17 | 41,838 | 153,999.16 | -6,392.85 |
| 153 | 85,777.37 | 192,486.38 | 42,041.65 | 155,248.76 | -6,498.1 |
| 154 | 83,881.01 | 191,534.64 | 42,246.29 | 156,504.44 | -6,604.52 |
| 155 | 81,976.74 | 190,578.93 | 42,451.93 | 157,766.23 | -6,712.12 |
| 156 | 80,064.54 | 189,619.23 | 42,658.57 | 159,034.17 | -6,820.91 |
| 157 | 78,144.37 | 188,655.54 | 42,866.21 | 160,308.27 | -6,930.89 |
| 158 | 76,216.2 | 187,687.84 | 43,074.86 | 161,588.58 | -7,042.09 |
| 159 | 74,280 | 186,716.1 | 43,284.53 | 162,875.12 | -7,154.49 |
| 160 | 72,335.73 | 185,740.32 | 43,495.22 | 164,167.93 | -7,268.12 |
| 161 | 70,383.36 | 184,760.46 | 43,706.94 | 165,467.02 | -7,382.98 |
| 162 | 68,422.85 | 183,776.53 | 43,919.68 | 166,772.44 | -7,499.08 |
| 163 | 66,454.18 | 182,788.49 | 44,133.46 | 168,084.21 | -7,616.44 |
| 164 | 64,477.3 | 181,796.34 | 44,348.28 | 169,402.37 | -7,735.05 |
| 165 | 62,492.19 | 180,800.06 | 44,564.15 | 170,726.95 | -7,854.92 |
| 166 | 60,498.8 | 179,799.62 | 44,781.07 | 172,057.97 | -7,976.08 |
| 167 | 58,497.11 | 178,795.02 | 44,999.04 | 173,395.47 | -8,098.52 |
| 168 | 56,487.08 | 177,786.22 | 45,218.08 | 174,739.48 | -8,222.25 |
| 169 | 54,468.67 | 176,773.23 | 45,438.18 | 176,090.04 | -8,347.29 |
| 170 | 52,441.85 | 175,756.02 | 45,659.35 | 177,447.16 | -8,473.64 |
| 171 | 50,406.59 | 174,734.56 | 45,881.6 | 178,810.9 | -8,601.32 |
| 172 | 48,362.85 | 173,708.85 | 46,104.93 | 180,181.27 | -8,730.33 |
| 173 | 46,310.59 | 172,678.87 | 46,329.35 | 181,558.31 | -8,860.67 |
| 174 | 44,249.78 | 171,644.59 | 46,554.86 | 182,942.05 | -8,992.37 |
| 175 | 42,180.38 | 170,606.01 | 46,781.47 | 184,332.53 | -9,125.43 |
| 176 | 40,102.36 | 169,563.1 | 47,009.18 | 185,729.78 | -9,259.86 |
| 177 | 38,015.69 | 168,515.84 | 47,238 | 187,133.83 | -9,395.67 |
| 178 | 35,920.31 | 167,464.22 | 47,467.93 | 188,544.71 | -9,532.87 |
| 179 | 33,816.21 | 166,408.22 | 47,698.99 | 189,962.46 | -9,671.47 |
| 180 | 31,703.34 | 165,347.82 | 47,931.16 | 191,387.12 | -9,811.48 |
| 181 | 29,581.67 | 164,282.99 | 48,164.47 | 192,818.7 | -9,952.91 |
| 182 | 27,451.16 | 163,213.74 | 48,398.91 | 194,257.26 | -10,095.76 |
| 183 | 25,311.77 | 162,140.02 | 48,634.5 | 195,702.81 | -10,240.06 |
| 184 | 23,163.46 | 161,061.84 | 48,871.23 | 197,155.41 | -10,385.8 |
| 185 | 21,006.21 | 159,979.16 | 49,109.11 | 198,615.07 | -10,533.01 |
| 186 | 18,839.96 | 158,891.97 | 49,348.15 | 200,081.84 | -10,681.68 |
| 187 | 16,664.69 | 157,800.25 | 49,588.36 | 201,555.75 | -10,831.83 |
| 188 | 14,480.36 | 156,703.98 | 49,829.73 | 203,036.83 | -10,983.48 |
| 189 | 12,286.92 | 155,603.14 | 50,072.28 | 204,525.12 | -11,136.62 |
| 190 | 10,084.35 | 154,497.72 | 50,316.01 | 206,020.66 | -11,291.28 |
| 191 | 7,872.6 | 153,387.69 | 50,560.93 | 207,523.48 | -11,447.46 |
| 192 | 5,651.63 | 152,273.03 | 50,807.03 | 209,033.61 | -11,605.17 |
| 193 | 3,421.41 | 151,153.73 | 51,054.34 | 210,551.09 | -11,764.42 |
| 194 | 1,181.89 | 150,029.77 | 51,302.85 | 212,075.96 | -11,925.23 |
| 195 | 0 | 148,901.13 | 52,619.52 | 213,608.25 | -12,087.6 |
| 196 | 0 | 147,767.78 | 55,129.42 | 215,148 | -12,250.8 |
| 197 | 0 | 146,629.71 | 57,651.53 | 216,695.24 | -12,414 |
| 198 | 0 | 145,486.89 | 60,185.93 | 218,250.01 | -12,577.2 |
| 199 | 0 | 144,339.32 | 62,732.65 | 219,812.36 | -12,740.38 |
| 200 | 0 | 143,186.96 | 65,291.78 | 221,382.3 | -12,903.56 |
| 201 | 0 | 142,029.8 | 67,863.36 | 222,959.89 | -13,066.73 |
| 202 | 0 | 140,867.82 | 70,447.46 | 224,545.16 | -13,229.88 |
| 203 | 0 | 139,701 | 73,044.14 | 226,138.15 | -13,393.01 |
| 204 | 0 | 138,529.32 | 75,653.45 | 227,738.89 | -13,556.11 |
| 205 | 0 | 137,352.76 | 78,275.47 | 229,347.42 | -13,719.19 |
| 206 | 0 | 136,171.29 | 80,910.25 | 230,963.78 | -13,882.24 |
| 207 | 0 | 134,984.9 | 83,557.85 | 232,588.01 | -14,045.25 |
| 208 | 0 | 133,793.57 | 86,218.35 | 234,220.14 | -14,208.23 |
| 209 | 0 | 132,597.27 | 88,891.79 | 235,860.22 | -14,371.16 |
| 210 | 0 | 131,395.99 | 91,578.24 | 237,508.28 | -14,534.05 |
| 211 | 0 | 130,189.7 | 94,277.77 | 239,164.36 | -14,696.89 |
| 212 | 0 | 128,978.39 | 96,990.45 | 240,828.51 | -14,859.67 |
| 213 | 0 | 127,762.03 | 99,716.32 | 242,500.75 | -15,022.4 |
| 214 | 0 | 126,540.6 | 102,455.47 | 244,181.14 | -15,185.07 |
| 215 | 0 | 125,314.08 | 105,207.94 | 245,869.7 | -15,347.67 |
| 216 | 0 | 124,082.45 | 107,973.82 | 247,566.48 | -15,510.21 |
| 217 | 0 | 122,845.69 | 110,753.16 | 249,271.53 | -15,672.67 |
| 218 | 0 | 121,603.78 | 113,546.02 | 250,984.87 | -15,835.06 |
| 219 | 0 | 120,356.69 | 116,352.49 | 252,706.55 | -15,997.37 |
| 220 | 0 | 119,104.41 | 119,172.61 | 254,436.61 | -16,159.59 |
| 221 | 0 | 117,846.91 | 122,006.46 | 256,175.09 | -16,321.73 |
| 222 | 0 | 116,584.17 | 124,854.1 | 257,922.04 | -16,483.77 |
| 223 | 0 | 115,316.16 | 127,715.6 | 259,677.49 | -16,645.72 |
| 224 | 0 | 114,042.88 | 130,591.03 | 261,441.48 | -16,807.57 |
| 225 | 0 | 112,764.29 | 133,480.46 | 263,214.06 | -16,969.31 |
| 226 | 0 | 111,480.37 | 136,383.96 | 264,995.27 | -17,130.95 |
| 227 | 0 | 110,191.1 | 139,301.58 | 266,785.15 | -17,292.47 |
| 228 | 0 | 108,896.46 | 142,233.41 | 268,583.74 | -17,453.87 |
| 229 | 0 | 107,596.42 | 145,179.51 | 270,391.08 | -17,615.15 |
| 230 | 0 | 106,290.97 | 148,139.95 | 272,207.22 | -17,776.31 |
| 231 | 0 | 104,980.08 | 151,114.8 | 274,032.21 | -17,937.33 |
| 232 | 0 | 103,663.73 | 154,104.13 | 275,866.07 | -18,098.22 |
| 233 | 0 | 102,341.89 | 157,108 | 277,708.86 | -18,258.97 |
| 234 | 0 | 101,014.54 | 160,126.51 | 279,560.63 | -18,419.58 |
| 235 | 0 | 99,681.67 | 163,159.7 | 281,421.4 | -18,580.03 |
| 236 | 0 | 98,343.24 | 166,207.66 | 283,291.23 | -18,740.34 |
| 237 | 0 | 96,999.23 | 169,270.45 | 285,170.17 | -18,900.49 |
| 238 | 0 | 95,649.62 | 172,348.16 | 287,058.25 | -19,060.47 |
| 239 | 0 | 94,294.39 | 175,440.84 | 288,955.52 | -19,220.29 |
| 240 | 0 | 92,933.52 | 178,548.58 | 290,862.03 | -19,379.93 |
| 241 | 0 | 91,566.97 | 181,671.44 | 292,777.81 | -19,539.4 |
| 242 | 0 | 90,194.73 | 184,809.51 | 294,702.92 | -19,698.69 |
| 243 | 0 | 88,816.77 | 187,962.85 | 296,637.4 | -19,857.79 |
| 244 | 0 | 87,433.07 | 191,131.53 | 298,581.3 | -20,016.7 |
| 245 | 0 | 86,043.6 | 194,315.65 | 300,534.66 | -20,175.41 |
| 246 | 0 | 84,648.35 | 197,515.26 | 302,497.53 | -20,333.92 |
| 247 | 0 | 83,247.28 | 200,730.44 | 304,469.95 | -20,492.23 |
| 248 | 0 | 81,840.37 | 203,961.28 | 306,451.97 | -20,650.32 |
| 249 | 0 | 80,427.61 | 207,207.84 | 308,443.64 | -20,808.2 |
| 250 | 0 | 79,008.95 | 210,470.21 | 310,445.01 | -20,965.85 |
| 251 | 0 | 77,584.38 | 213,748.45 | 312,456.12 | -21,123.28 |
| 252 | 0 | 76,153.88 | 217,042.65 | 314,477.01 | -21,280.48 |
| 253 | 0 | 74,717.42 | 220,352.89 | 316,507.74 | -21,437.44 |
| 254 | 0 | 73,274.97 | 223,679.24 | 318,548.36 | -21,594.15 |
| 255 | 0 | 71,826.52 | 227,021.78 | 320,598.91 | -21,750.62 |
| 256 | 0 | 70,372.02 | 230,380.59 | 322,659.44 | -21,906.83 |
| 257 | 0 | 68,911.47 | 233,755.75 | 324,730 | -22,062.79 |
| 258 | 0 | 67,444.83 | 237,147.33 | 326,810.64 | -22,218.48 |
| 259 | 0 | 65,972.08 | 240,555.43 | 328,901.41 | -22,373.9 |
| 260 | 0 | 64,493.19 | 243,980.12 | 331,002.36 | -22,529.04 |
| 261 | 0 | 63,008.14 | 247,421.47 | 333,113.53 | -22,683.91 |
| 262 | 0 | 61,516.91 | 250,879.58 | 335,234.97 | -22,838.48 |
| 263 | 0 | 60,019.46 | 254,354.52 | 337,366.75 | -22,992.77 |
| 264 | 0 | 58,515.77 | 257,846.37 | 339,508.9 | -23,146.75 |
| 265 | 0 | 57,005.82 | 261,355.22 | 341,661.47 | -23,300.43 |
| 266 | 0 | 55,489.57 | 264,881.15 | 343,824.53 | -23,453.81 |
| 267 | 0 | 53,967.01 | 268,424.25 | 345,998.11 | -23,606.86 |
| 268 | 0 | 52,438.1 | 271,984.58 | 348,182.27 | -23,759.59 |
| 269 | 0 | 50,902.82 | 275,562.25 | 350,377.07 | -23,912 |
| 270 | 0 | 49,361.15 | 279,157.34 | 352,582.55 | -24,064.07 |
| 271 | 0 | 47,813.05 | 282,769.92 | 354,798.76 | -24,215.79 |
| 272 | 0 | 46,258.5 | 286,400.09 | 357,025.76 | -24,367.18 |
| 273 | 0 | 44,697.47 | 290,047.92 | 359,263.6 | -24,518.21 |
| 274 | 0 | 43,129.94 | 293,713.52 | 361,512.34 | -24,668.88 |
| 275 | 0 | 41,555.88 | 297,396.95 | 363,772.02 | -24,819.19 |
| 276 | 0 | 39,975.26 | 301,098.32 | 366,042.69 | -24,969.12 |
| 277 | 0 | 38,388.05 | 304,817.7 | 368,324.43 | -25,118.68 |
| 278 | 0 | 36,794.23 | 308,555.18 | 370,617.26 | -25,267.85 |
| 279 | 0 | 35,193.77 | 312,310.86 | 372,921.26 | -25,416.63 |
| 280 | 0 | 33,586.64 | 316,084.82 | 375,236.47 | -25,565.01 |
| 281 | 0 | 31,972.82 | 319,877.15 | 377,562.96 | -25,712.99 |
| 282 | 0 | 30,352.27 | 323,687.94 | 379,900.76 | -25,860.56 |
| 283 | 0 | 28,724.96 | 327,517.28 | 382,249.95 | -26,007.71 |
| 284 | 0 | 27,090.88 | 331,365.25 | 384,610.57 | -26,154.44 |
| 285 | 0 | 25,449.99 | 335,231.96 | 386,982.68 | -26,300.73 |
| 286 | 0 | 23,802.26 | 339,117.49 | 389,366.34 | -26,446.59 |
| 287 | 0 | 22,147.67 | 343,021.93 | 391,761.6 | -26,592 |
| 288 | 0 | 20,486.18 | 346,945.38 | 394,168.52 | -26,736.97 |
| 289 | 0 | 18,817.77 | 350,887.92 | 396,587.16 | -26,881.47 |
| 290 | 0 | 17,142.4 | 354,849.66 | 399,017.56 | -27,025.5 |
| 291 | 0 | 15,460.06 | 358,830.67 | 401,459.8 | -27,169.07 |
| 292 | 0 | 13,770.71 | 362,831.07 | 403,913.93 | -27,312.15 |
| 293 | 0 | 12,074.32 | 366,850.94 | 406,380 | -27,454.74 |
| 294 | 0 | 10,370.86 | 370,890.38 | 408,858.07 | -27,596.84 |
| 295 | 0 | 8,660.3 | 374,949.47 | 411,348.21 | -27,738.44 |
| 296 | 0 | 6,942.61 | 379,028.33 | 413,850.47 | -27,879.53 |
| 297 | 0 | 5,217.77 | 383,127.04 | 416,364.91 | -28,020.1 |
| 298 | 0 | 3,485.74 | 387,245.7 | 418,891.58 | -28,160.15 |
| 299 | 0 | 1,746.49 | 391,384.41 | 421,430.56 | -28,299.66 |
| 300 | 0 | 0 | 395,543.26 | 423,981.9 | -28,438.64 |
Citable worked example
Mortgage overpayment versus investing calculator: fixed public worked-example outputs using the calculator’s published default inputs. Compare mortgage overpayments with investing spare cash. See payoff dates, end wealth, liquidity and simulated outcomes using equal monthly budgets. These illustrative figures are independent of visitor inputs and live market feeds. The table contains 200 rows and is available as CSV and JSON. Formula and assumptions reviewed 2026-09-07. Long schedules are sampled to include their opening and terminal rows; source and displayed row counts are recorded.
These are fixed public examples. Your calculation above does not change this table.
View all 200 rows
| Month | Overpay Debt | Invest Debt | Overpay Investments | Invest Investments | Wealth Difference | Source Schedule Rows | Displayed Schedule Rows |
|---|---|---|---|---|---|---|---|
| 1 | 298,996.23 | 299,496.23 | 20,097.35 | 20,597.35 | 0 | 300 | 200 |
| 3 | 296,976.13 | 298,482.38 | 20,293.48 | 21,800.79 | -1.05 | 300 | 200 |
| 4 | 295,959.76 | 297,972.29 | 20,392.26 | 22,406.91 | -2.12 | 300 | 200 |
| 6 | 293,914.29 | 296,945.72 | 20,591.26 | 23,628 | -5.32 | 300 | 200 |
| 7 | 292,885.17 | 296,429.22 | 20,691.49 | 24,243.02 | -7.47 | 300 | 200 |
| 9 | 290,814.03 | 295,389.76 | 20,893.41 | 25,482.03 | -12.88 | 300 | 200 |
| 10 | 289,771.99 | 294,866.78 | 20,995.11 | 26,106.07 | -16.15 | 300 | 200 |
| 12 | 287,674.85 | 293,814.28 | 21,200 | 27,363.26 | -23.84 | 300 | 200 |
| 13 | 286,619.73 | 293,284.74 | 21,303.19 | 27,996.46 | -28.26 | 300 | 200 |
| 15 | 284,496.27 | 292,219.02 | 21,511.09 | 29,272.1 | -38.27 | 300 | 200 |
| 16 | 283,427.9 | 291,682.83 | 21,615.79 | 29,914.59 | -43.87 | 300 | 200 |
| 18 | 281,277.79 | 290,603.73 | 21,826.74 | 31,208.95 | -56.27 | 300 | 200 |
| 19 | 280,196.01 | 290,060.81 | 21,932.98 | 31,860.86 | -63.08 | 300 | 200 |
| 21 | 278,018.91 | 288,968.18 | 22,147.02 | 33,174.22 | -77.93 | 300 | 200 |
| 22 | 276,923.55 | 288,418.44 | 22,254.82 | 33,835.69 | -85.99 | 300 | 200 |
| 24 | 274,719.13 | 287,312.09 | 22,472 | 35,168.32 | -103.36 | 300 | 200 |
| 25 | 273,610.02 | 286,755.45 | 22,581.38 | 35,839.51 | -112.69 | 300 | 200 |
| 27 | 271,377.92 | 285,635.21 | 22,801.75 | 37,191.69 | -132.65 | 300 | 200 |
| 28 | 270,254.89 | 285,071.59 | 22,912.74 | 37,872.72 | -143.29 | 300 | 200 |
| 30 | 267,994.78 | 283,937.28 | 23,136.34 | 39,244.75 | -165.9 | 300 | 200 |
| 31 | 266,857.65 | 283,366.59 | 23,248.96 | 39,935.78 | -177.89 | 300 | 200 |
| 33 | 264,569.17 | 282,218.05 | 23,475.84 | 41,327.93 | -203.22 | 300 | 200 |
| 34 | 263,417.77 | 281,640.18 | 23,590.11 | 42,029.1 | -216.58 | 300 | 200 |
| 36 | 261,100.56 | 280,477.23 | 23,820.32 | 43,441.69 | -244.7 | 300 | 200 |
| 37 | 259,934.71 | 279,892.11 | 23,936.27 | 44,153.14 | -259.47 | 300 | 200 |
| 39 | 257,588.41 | 278,714.56 | 24,169.86 | 45,586.46 | -290.46 | 300 | 200 |
| 40 | 256,407.93 | 278,122.1 | 24,287.5 | 46,308.35 | -306.68 | 300 | 200 |
| 42 | 254,032.18 | 276,929.76 | 24,524.52 | 47,762.7 | -340.6 | 300 | 200 |
| 43 | 252,836.88 | 276,329.87 | 24,643.89 | 48,495.19 | -358.3 | 300 | 200 |
| 45 | 250,431.31 | 275,122.57 | 24,884.39 | 49,970.88 | -395.23 | 300 | 200 |
| 46 | 249,221 | 274,515.14 | 25,005.52 | 50,714.11 | -414.46 | 300 | 200 |
| 48 | 246,785.24 | 273,292.68 | 25,249.54 | 52,211.45 | -454.47 | 300 | 200 |
| 49 | 245,559.74 | 272,677.63 | 25,372.44 | 52,965.6 | -475.26 | 300 | 200 |
| 51 | 243,093.41 | 271,439.83 | 25,620.05 | 54,484.91 | -518.44 | 300 | 200 |
| 52 | 241,852.53 | 270,817.06 | 25,744.75 | 55,250.12 | -540.83 | 300 | 200 |
| 54 | 239,355.23 | 269,563.73 | 25,995.99 | 56,791.73 | -587.24 | 300 | 200 |
| 55 | 238,098.78 | 268,933.14 | 26,122.53 | 57,568.16 | -611.27 | 300 | 200 |
| 57 | 235,570.13 | 267,664.07 | 26,377.45 | 59,132.39 | -661 | 300 | 200 |
| 58 | 234,297.91 | 267,025.57 | 26,505.85 | 59,920.22 | -686.72 | 300 | 200 |
| 60 | 231,737.53 | 265,740.57 | 26,764.51 | 61,507.4 | -739.85 | 300 | 200 |
| 61 | 230,449.33 | 265,094.05 | 26,894.79 | 62,306.8 | -767.29 | 300 | 200 |
| 63 | 227,856.81 | 263,792.92 | 27,157.25 | 63,917.27 | -823.91 | 300 | 200 |
| 64 | 226,552.44 | 263,138.29 | 27,289.44 | 64,728.39 | -853.1 | 300 | 200 |
| 66 | 223,927.38 | 261,820.83 | 27,555.75 | 66,362.49 | -913.3 | 300 | 200 |
| 67 | 222,606.64 | 261,157.98 | 27,689.88 | 67,185.52 | -944.3 | 300 | 200 |
| 69 | 219,948.63 | 259,823.98 | 27,960.1 | 68,843.6 | -1,008.15 | 300 | 200 |
| 70 | 218,611.31 | 259,152.81 | 28,096.2 | 69,678.7 | -1,041.01 | 300 | 200 |
| 72 | 215,919.94 | 257,802.07 | 28,370.38 | 71,361.11 | -1,108.6 | 300 | 200 |
| 73 | 214,565.84 | 257,122.47 | 28,508.48 | 72,208.47 | -1,143.35 | 300 | 200 |
| 75 | 211,840.68 | 255,754.78 | 28,786.68 | 73,915.57 | -1,214.78 | 300 | 200 |
| 76 | 210,469.58 | 255,066.65 | 28,926.81 | 74,775.36 | -1,251.48 | 300 | 200 |
| 78 | 207,710.21 | 253,681.79 | 29,209.1 | 76,507.51 | -1,326.84 | 300 | 200 |
| 79 | 206,321.9 | 252,985.03 | 29,351.27 | 77,379.91 | -1,365.52 | 300 | 200 |
| 81 | 203,527.9 | 251,582.78 | 29,637.71 | 79,137.48 | -1,444.9 | 300 | 200 |
| 82 | 202,122.17 | 250,877.27 | 29,781.97 | 80,022.69 | -1,485.61 | 300 | 200 |
| 84 | 199,293.1 | 249,457.42 | 30,072.61 | 81,806.04 | -1,569.11 | 300 | 200 |
| 85 | 197,869.71 | 248,743.06 | 30,218.99 | 82,704.24 | -1,611.91 | 300 | 200 |
| 87 | 195,005.13 | 247,305.39 | 30,513.89 | 84,513.77 | -1,699.63 | 300 | 200 |
| 88 | 193,563.88 | 246,582.06 | 30,662.41 | 85,425.14 | -1,744.55 | 300 | 200 |
| 90 | 190,663.35 | 245,126.34 | 30,961.64 | 87,261.22 | -1,836.58 | 300 | 200 |
| 91 | 189,204.01 | 244,393.93 | 31,112.35 | 88,185.97 | -1,883.7 | 300 | 200 |
| 93 | 186,267.06 | 242,919.94 | 31,415.97 | 90,048.99 | -1,980.14 | 300 | 200 |
| 94 | 184,789.4 | 242,178.34 | 31,568.89 | 90,987.31 | -2,029.49 | 300 | 200 |
| 96 | 181,815.59 | 240,685.85 | 31,876.96 | 92,877.67 | -2,130.45 | 300 | 200 |
| 97 | 180,319.39 | 239,934.94 | 32,032.12 | 93,829.76 | -2,182.08 | 300 | 200 |
| 99 | 177,308.25 | 238,423.71 | 32,344.72 | 95,747.86 | -2,287.67 | 300 | 200 |
| 100 | 175,793.26 | 237,663.37 | 32,502.16 | 96,713.91 | -2,341.64 | 300 | 200 |
| 102 | 172,744.33 | 236,133.18 | 32,819.34 | 98,660.16 | -2,451.97 | 300 | 200 |
| 103 | 171,210.32 | 235,363.3 | 32,979.09 | 99,640.39 | -2,508.33 | 300 | 200 |
| 105 | 168,123.12 | 233,813.9 | 33,300.93 | 101,615.2 | -2,623.49 | 300 | 200 |
| 106 | 166,569.86 | 233,034.35 | 33,463.02 | 102,609.81 | -2,682.3 | 300 | 200 |
| 108 | 163,443.9 | 231,465.5 | 33,789.58 | 104,613.6 | -2,802.42 | 300 | 200 |
| 109 | 161,871.15 | 230,676.17 | 33,954.05 | 105,622.81 | -2,863.73 | 300 | 200 |
| 111 | 158,705.96 | 229,087.63 | 34,285.4 | 107,655.99 | -2,988.92 | 300 | 200 |
| 112 | 157,113.46 | 228,288.39 | 34,452.29 | 108,680.01 | -3,052.79 | 300 | 200 |
| 114 | 153,908.54 | 226,679.91 | 34,788.5 | 110,743.03 | -3,183.16 | 300 | 200 |
| 115 | 152,296.05 | 225,870.64 | 34,957.84 | 111,782.08 | -3,249.66 | 300 | 200 |
| 117 | 149,050.9 | 224,241.97 | 35,298.98 | 113,875.37 | -3,385.32 | 300 | 200 |
| 118 | 147,418.17 | 223,422.54 | 35,470.8 | 114,929.67 | -3,454.5 | 300 | 200 |
| 120 | 144,132.29 | 221,773.43 | 35,816.95 | 117,053.68 | -3,595.58 | 300 | 200 |
| 121 | 142,479.07 | 220,943.71 | 35,991.29 | 118,123.44 | -3,667.5 | 300 | 200 |
| 123 | 139,151.94 | 219,273.9 | 36,342.53 | 120,278.62 | -3,814.13 | 300 | 200 |
| 124 | 137,477.97 | 218,433.77 | 36,519.43 | 121,364.08 | -3,888.85 | 300 | 200 |
| 126 | 134,109.07 | 216,743 | 36,875.81 | 123,550.88 | -4,041.14 | 300 | 200 |
| 127 | 132,414.09 | 215,892.32 | 37,055.31 | 124,652.27 | -4,118.73 | 300 | 200 |
| 129 | 129,002.91 | 214,180.32 | 37,416.92 | 126,871.16 | -4,276.82 | 300 | 200 |
| 130 | 127,286.65 | 213,318.97 | 37,599.05 | 127,988.71 | -4,357.34 | 300 | 200 |
| 132 | 123,832.65 | 211,585.49 | 37,965.97 | 130,240.16 | -4,521.35 | 300 | 200 |
| 133 | 122,094.85 | 210,713.32 | 38,150.77 | 131,374.11 | -4,604.87 | 300 | 200 |
| 135 | 118,597.5 | 208,958.08 | 38,523.08 | 133,658.6 | -4,774.94 | 300 | 200 |
| 136 | 116,837.88 | 208,074.97 | 38,710.59 | 134,809.19 | -4,861.51 | 300 | 200 |
| 138 | 113,296.63 | 206,297.69 | 39,088.36 | 137,127.2 | -5,037.78 | 300 | 200 |
| 139 | 111,514.93 | 205,403.49 | 39,278.62 | 138,294.67 | -5,127.48 | 300 | 200 |
| 141 | 107,929.22 | 203,603.91 | 39,661.94 | 140,646.69 | -5,310.07 | 300 | 200 |
| 142 | 106,125.16 | 202,698.49 | 39,854.99 | 141,831.3 | -5,402.98 | 300 | 200 |
| 144 | 102,494.45 | 200,876.31 | 40,243.93 | 144,217.83 | -5,592.04 | 300 | 200 |
| 145 | 100,667.74 | 199,959.53 | 40,439.82 | 145,419.82 | -5,688.21 | 300 | 200 |
| 147 | 96,991.45 | 198,114.48 | 40,834.46 | 147,841.38 | -5,883.89 | 300 | 200 |
| 148 | 95,141.81 | 197,186.19 | 41,033.23 | 149,061 | -5,983.4 | 300 | 200 |
| 150 | 91,419.38 | 195,317.98 | 41,433.66 | 151,518.09 | -6,185.83 | 300 | 200 |
| 151 | 89,546.53 | 194,378.03 | 41,635.34 | 152,755.61 | -6,288.76 | 300 | 200 |
| 153 | 85,777.37 | 192,486.38 | 42,041.65 | 155,248.76 | -6,498.1 | 300 | 200 |
| 154 | 83,881.01 | 191,534.64 | 42,246.29 | 156,504.44 | -6,604.52 | 300 | 200 |
| 156 | 80,064.54 | 189,619.23 | 42,658.57 | 159,034.17 | -6,820.91 | 300 | 200 |
| 157 | 78,144.37 | 188,655.54 | 42,866.21 | 160,308.27 | -6,930.89 | 300 | 200 |
| 159 | 74,280 | 186,716.1 | 43,284.53 | 162,875.12 | -7,154.49 | 300 | 200 |
| 160 | 72,335.73 | 185,740.32 | 43,495.22 | 164,167.93 | -7,268.12 | 300 | 200 |
| 162 | 68,422.85 | 183,776.53 | 43,919.68 | 166,772.44 | -7,499.08 | 300 | 200 |
| 163 | 66,454.18 | 182,788.49 | 44,133.46 | 168,084.21 | -7,616.44 | 300 | 200 |
| 165 | 62,492.19 | 180,800.06 | 44,564.15 | 170,726.95 | -7,854.92 | 300 | 200 |
| 166 | 60,498.8 | 179,799.62 | 44,781.07 | 172,057.97 | -7,976.08 | 300 | 200 |
| 168 | 56,487.08 | 177,786.22 | 45,218.08 | 174,739.48 | -8,222.25 | 300 | 200 |
| 169 | 54,468.67 | 176,773.23 | 45,438.18 | 176,090.04 | -8,347.29 | 300 | 200 |
| 171 | 50,406.59 | 174,734.56 | 45,881.6 | 178,810.9 | -8,601.32 | 300 | 200 |
| 172 | 48,362.85 | 173,708.85 | 46,104.93 | 180,181.27 | -8,730.33 | 300 | 200 |
| 174 | 44,249.78 | 171,644.59 | 46,554.86 | 182,942.05 | -8,992.37 | 300 | 200 |
| 175 | 42,180.38 | 170,606.01 | 46,781.47 | 184,332.53 | -9,125.43 | 300 | 200 |
| 177 | 38,015.69 | 168,515.84 | 47,238 | 187,133.83 | -9,395.67 | 300 | 200 |
| 178 | 35,920.31 | 167,464.22 | 47,467.93 | 188,544.71 | -9,532.87 | 300 | 200 |
| 180 | 31,703.34 | 165,347.82 | 47,931.16 | 191,387.12 | -9,811.48 | 300 | 200 |
| 181 | 29,581.67 | 164,282.99 | 48,164.47 | 192,818.7 | -9,952.91 | 300 | 200 |
| 183 | 25,311.77 | 162,140.02 | 48,634.5 | 195,702.81 | -10,240.06 | 300 | 200 |
| 184 | 23,163.46 | 161,061.84 | 48,871.23 | 197,155.41 | -10,385.8 | 300 | 200 |
| 186 | 18,839.96 | 158,891.97 | 49,348.15 | 200,081.84 | -10,681.68 | 300 | 200 |
| 187 | 16,664.69 | 157,800.25 | 49,588.36 | 201,555.75 | -10,831.83 | 300 | 200 |
| 189 | 12,286.92 | 155,603.14 | 50,072.28 | 204,525.12 | -11,136.62 | 300 | 200 |
| 190 | 10,084.35 | 154,497.72 | 50,316.01 | 206,020.66 | -11,291.28 | 300 | 200 |
| 192 | 5,651.63 | 152,273.03 | 50,807.03 | 209,033.61 | -11,605.17 | 300 | 200 |
| 193 | 3,421.41 | 151,153.73 | 51,054.34 | 210,551.09 | -11,764.42 | 300 | 200 |
| 195 | 0 | 148,901.13 | 52,619.52 | 213,608.25 | -12,087.6 | 300 | 200 |
| 196 | 0 | 147,767.78 | 55,129.42 | 215,148 | -12,250.8 | 300 | 200 |
| 198 | 0 | 145,486.89 | 60,185.93 | 218,250.01 | -12,577.2 | 300 | 200 |
| 199 | 0 | 144,339.32 | 62,732.65 | 219,812.36 | -12,740.38 | 300 | 200 |
| 201 | 0 | 142,029.8 | 67,863.36 | 222,959.89 | -13,066.73 | 300 | 200 |
| 202 | 0 | 140,867.82 | 70,447.46 | 224,545.16 | -13,229.88 | 300 | 200 |
| 204 | 0 | 138,529.32 | 75,653.45 | 227,738.89 | -13,556.11 | 300 | 200 |
| 205 | 0 | 137,352.76 | 78,275.47 | 229,347.42 | -13,719.19 | 300 | 200 |
| 207 | 0 | 134,984.9 | 83,557.85 | 232,588.01 | -14,045.25 | 300 | 200 |
| 208 | 0 | 133,793.57 | 86,218.35 | 234,220.14 | -14,208.23 | 300 | 200 |
| 210 | 0 | 131,395.99 | 91,578.24 | 237,508.28 | -14,534.05 | 300 | 200 |
| 211 | 0 | 130,189.7 | 94,277.77 | 239,164.36 | -14,696.89 | 300 | 200 |
| 213 | 0 | 127,762.03 | 99,716.32 | 242,500.75 | -15,022.4 | 300 | 200 |
| 214 | 0 | 126,540.6 | 102,455.47 | 244,181.14 | -15,185.07 | 300 | 200 |
| 216 | 0 | 124,082.45 | 107,973.82 | 247,566.48 | -15,510.21 | 300 | 200 |
| 217 | 0 | 122,845.69 | 110,753.16 | 249,271.53 | -15,672.67 | 300 | 200 |
| 219 | 0 | 120,356.69 | 116,352.49 | 252,706.55 | -15,997.37 | 300 | 200 |
| 220 | 0 | 119,104.41 | 119,172.61 | 254,436.61 | -16,159.59 | 300 | 200 |
| 222 | 0 | 116,584.17 | 124,854.1 | 257,922.04 | -16,483.77 | 300 | 200 |
| 223 | 0 | 115,316.16 | 127,715.6 | 259,677.49 | -16,645.72 | 300 | 200 |
| 225 | 0 | 112,764.29 | 133,480.46 | 263,214.06 | -16,969.31 | 300 | 200 |
| 226 | 0 | 111,480.37 | 136,383.96 | 264,995.27 | -17,130.95 | 300 | 200 |
| 228 | 0 | 108,896.46 | 142,233.41 | 268,583.74 | -17,453.87 | 300 | 200 |
| 229 | 0 | 107,596.42 | 145,179.51 | 270,391.08 | -17,615.15 | 300 | 200 |
| 231 | 0 | 104,980.08 | 151,114.8 | 274,032.21 | -17,937.33 | 300 | 200 |
| 232 | 0 | 103,663.73 | 154,104.13 | 275,866.07 | -18,098.22 | 300 | 200 |
| 234 | 0 | 101,014.54 | 160,126.51 | 279,560.63 | -18,419.58 | 300 | 200 |
| 235 | 0 | 99,681.67 | 163,159.7 | 281,421.4 | -18,580.03 | 300 | 200 |
| 237 | 0 | 96,999.23 | 169,270.45 | 285,170.17 | -18,900.49 | 300 | 200 |
| 238 | 0 | 95,649.62 | 172,348.16 | 287,058.25 | -19,060.47 | 300 | 200 |
| 240 | 0 | 92,933.52 | 178,548.58 | 290,862.03 | -19,379.93 | 300 | 200 |
| 241 | 0 | 91,566.97 | 181,671.44 | 292,777.81 | -19,539.4 | 300 | 200 |
| 243 | 0 | 88,816.77 | 187,962.85 | 296,637.4 | -19,857.79 | 300 | 200 |
| 244 | 0 | 87,433.07 | 191,131.53 | 298,581.3 | -20,016.7 | 300 | 200 |
| 246 | 0 | 84,648.35 | 197,515.26 | 302,497.53 | -20,333.92 | 300 | 200 |
| 247 | 0 | 83,247.28 | 200,730.44 | 304,469.95 | -20,492.23 | 300 | 200 |
| 249 | 0 | 80,427.61 | 207,207.84 | 308,443.64 | -20,808.2 | 300 | 200 |
| 250 | 0 | 79,008.95 | 210,470.21 | 310,445.01 | -20,965.85 | 300 | 200 |
| 252 | 0 | 76,153.88 | 217,042.65 | 314,477.01 | -21,280.48 | 300 | 200 |
| 253 | 0 | 74,717.42 | 220,352.89 | 316,507.74 | -21,437.44 | 300 | 200 |
| 255 | 0 | 71,826.52 | 227,021.78 | 320,598.91 | -21,750.62 | 300 | 200 |
| 256 | 0 | 70,372.02 | 230,380.59 | 322,659.44 | -21,906.83 | 300 | 200 |
| 258 | 0 | 67,444.83 | 237,147.33 | 326,810.64 | -22,218.48 | 300 | 200 |
| 259 | 0 | 65,972.08 | 240,555.43 | 328,901.41 | -22,373.9 | 300 | 200 |
| 261 | 0 | 63,008.14 | 247,421.47 | 333,113.53 | -22,683.91 | 300 | 200 |
| 262 | 0 | 61,516.91 | 250,879.58 | 335,234.97 | -22,838.48 | 300 | 200 |
| 264 | 0 | 58,515.77 | 257,846.37 | 339,508.9 | -23,146.75 | 300 | 200 |
| 265 | 0 | 57,005.82 | 261,355.22 | 341,661.47 | -23,300.43 | 300 | 200 |
| 267 | 0 | 53,967.01 | 268,424.25 | 345,998.11 | -23,606.86 | 300 | 200 |
| 268 | 0 | 52,438.1 | 271,984.58 | 348,182.27 | -23,759.59 | 300 | 200 |
| 270 | 0 | 49,361.15 | 279,157.34 | 352,582.55 | -24,064.07 | 300 | 200 |
| 271 | 0 | 47,813.05 | 282,769.92 | 354,798.76 | -24,215.79 | 300 | 200 |
| 273 | 0 | 44,697.47 | 290,047.92 | 359,263.6 | -24,518.21 | 300 | 200 |
| 274 | 0 | 43,129.94 | 293,713.52 | 361,512.34 | -24,668.88 | 300 | 200 |
| 276 | 0 | 39,975.26 | 301,098.32 | 366,042.69 | -24,969.12 | 300 | 200 |
| 277 | 0 | 38,388.05 | 304,817.7 | 368,324.43 | -25,118.68 | 300 | 200 |
| 279 | 0 | 35,193.77 | 312,310.86 | 372,921.26 | -25,416.63 | 300 | 200 |
| 280 | 0 | 33,586.64 | 316,084.82 | 375,236.47 | -25,565.01 | 300 | 200 |
| 282 | 0 | 30,352.27 | 323,687.94 | 379,900.76 | -25,860.56 | 300 | 200 |
| 283 | 0 | 28,724.96 | 327,517.28 | 382,249.95 | -26,007.71 | 300 | 200 |
| 285 | 0 | 25,449.99 | 335,231.96 | 386,982.68 | -26,300.73 | 300 | 200 |
| 286 | 0 | 23,802.26 | 339,117.49 | 389,366.34 | -26,446.59 | 300 | 200 |
| 288 | 0 | 20,486.18 | 346,945.38 | 394,168.52 | -26,736.97 | 300 | 200 |
| 289 | 0 | 18,817.77 | 350,887.92 | 396,587.16 | -26,881.47 | 300 | 200 |
| 291 | 0 | 15,460.06 | 358,830.67 | 401,459.8 | -27,169.07 | 300 | 200 |
| 292 | 0 | 13,770.71 | 362,831.07 | 403,913.93 | -27,312.15 | 300 | 200 |
| 294 | 0 | 10,370.86 | 370,890.38 | 408,858.07 | -27,596.84 | 300 | 200 |
| 295 | 0 | 8,660.3 | 374,949.47 | 411,348.21 | -27,738.44 | 300 | 200 |
| 297 | 0 | 5,217.77 | 383,127.04 | 416,364.91 | -28,020.1 | 300 | 200 |
| 298 | 0 | 3,485.74 | 387,245.7 | 418,891.58 | -28,160.15 | 300 | 200 |
| 300 | 0 | 0 | 395,543.26 | 423,981.9 | -28,438.64 | 300 | 200 |
Computed with KlarFort Calculators, https://klarfort.com/
Calculator reference: https://klarfort.com/tools/overpay-or-invest/. Usage and credit.
Formula and assumptions
Net-wealth difference = overpayment investments - overpayment debt - alternative investments + alternative debt.
- Both options receive the same monthly cash budget through the same horizon; payments released by early payoff or insurance removal are invested at month end.
- The common home value cancels from the wealth difference. Property value is held constant for insurance removal.
- Closing costs reduce only the overpayment option at time zero; protected cash remains outside investments.
- Mortgage interest uses APR/12; deterministic investment return is an effective annual assumption.
- Simulations use paired seeded lognormal monthly investment returns so both options experience the same market path.
- Probability describes this model only and excludes taxes, fees other than the entered closing cost, future rate changes and investment advice.
Assumptions reviewed:
Sources
- KlarFort calculator methodology. KlarFort-authored arithmetic; free to use with credit.; vintage 1.
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