Compare investing in a brokerage account versus accelerating mortgage payoff
Original Loan Terms
$
%
Monthly P&I
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Months Paid
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Expected Balance
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Remaining
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Current Status
Scenarios run forward from your current balance and remaining term.
$
$
To invest OR pay extra principal
Lump Sum Payments
Applied to mortgage (A) or brokerage (B) — within first 5 years from today
Investment Assumptions
%
%
%
—
Enter your loan details above
A — Pay Off Early
B — Invest the Extra
Mortgage Paid Off
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Mortgage Paid Off
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Total Interest Paid
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Total Interest Paid
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New Investment Value
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New Investment Value
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Net Financial Outcome
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Net Financial Outcome
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How the scenarios work
Scenario A: Extra monthly amount + lump sums go toward mortgage. Once paid off, the full P&I + extra are invested monthly.
Scenario B: Extra monthly amount + lump sums go into brokerage from day one. Mortgage stays on its original schedule.
Net Worth Growth (equity + investments)
Remaining Mortgage Balance
Why the spread matters
Simplified model: constant annual returns (no sequence-of-returns risk), long-term capital gains on all gains, no dividend tax drag, no state taxes. Historical returns are nominal. Not financial advice.