Stop guessing. Make data-driven decisions about your biggest financial asset.
Compare how monthly extra payments, ongoing investing, or a retirement paydown could affect your projected finances under the assumptions you choose.
Get personalized insights based on your specific situation
Factor in mortgage interest, investment returns, tax advantages, and home appreciation to compare nominal projected balances under your assumptions.
Test different allocation strategies with live sliders. See exactly how each percentage point changes your retirement wealth.
Clear charts show modeled net worth, invested assets before withdrawal taxes, and the difference versus investing the monthly surplus.
Compare supported 401(k), IRA, and taxable contribution assumptions, including annual limits and your confirmed deduction status.
See home equity, taxable investments, retirement investments, and cash separately. Investment values are shown before withdrawal taxes.
Compare modeled outcomes using your interest rate, assumed investment returns, and time horizon.
Get your personalized analysis in just 3 steps
Tell us about your current mortgage: balance, interest rate, monthly payment, and how much extra you can afford to pay each month.
Choose your expected investment returns, account types (401k, IRA, or taxable), tax rate, and retirement timeline. We'll use those assumptions in the comparison.
See interactive charts comparing different strategies. Use the slider to test any allocation from 0% to 100% and see real-time updates on your retirement wealth.
Explore how your assumed return and time horizon affect compound growth. Actual investment returns can vary and may be negative.
Taxable investments and cash differ from retirement accounts, which can carry withdrawal restrictions and taxes. Accessing home equity generally requires selling or borrowing.
Contribution tax benefits depend on eligibility, available annual room, and deduction status. Compare the supported assumptions using your own inputs.
Many people are surprised by the results. This calculator helps you make decisions based on math, not emotions or outdated conventional wisdom.
Explore mortgage payoff and investing scenarios using your own numbers and assumptions.
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