Compare mortgage terms & strategies to find your optimal wealth-building path
Your Financial Profile
Income & Taxes
$
$
Maximum available for down payment + investing
If checked, mortgage interest reduces taxable income
0%
$0
Home & Costs
$
$
%
%
%
%
$0
$0/mo
Investments
$0
= Cash on Hand − Down Payment
%
$
$
Groceries, utilities, insurance, etc. (excl. housing)
Strategy & Growth
%
%
%
%
Show future values in today's purchasing power
Rent Alternative
$
%
This scenario invests the down payment and monthly savings (Buy Cost - Rent) into the market.
Mortgage Terms
* Calculations assume standard fixed-rate mortgages
%
$
$
Monthly P&I$0
Est. APR0%
Surplus/Mo$0
Total Interest$0
Scenario Optimizer
Iterate through different down payments, term lengths, and extra payments to find the mathematically optimal
strategy for your budget.
Uses your Total Cash on Hand from Investments section
to determine down payment range (from $0 up to your max).
Sensitivity Analysis
See which strategy wins at different investment return rates. Your current rate is highlighted.
Why Do Results Converge?
When investment returns are close to mortgage rates, the interest saved by paying off early is
almost exactly offset by the extra investment gains from having more money in the market earlier.
The 30-year mortgage invests more in the early years (compounding longer), while the 10-year pays
less interest but invests less early on.
Scenario Comparison at Year 30
Best Strategy
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Break-Even Return
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Below: pay debt. Above: invest.
Net Worth Difference
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Best vs Worst
Rent vs Buy Break-even
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Year buying wins
Scenario
Monthly P&I
Payoff
Total Interest
Home Value
Home Equity
Investments
Net Worth
Net Worth Over Time
Monthly Cash Flow Over Time
See how your monthly surplus changes. Dramatic spike when mortgage is paid off!