Extra mortgage payments save you more than you expect.
Enter your mortgage and extra payment. See interest saved, years cut, and the wealth you build after payoff.
📐 Verified math
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Your Mortgage
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Interest Saved by Overpaying
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calculating…
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What This Really Means
Adjust the sliders to see your personalised analysis.
Full Breakdown
Mortgage summary
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Standard payoff
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Accelerated payoff
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Interest (standard)
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Interest (with extra)
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Freedom fund (reinvested)
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Common Questions
Is overpaying a mortgage always the best use of money?
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Not always. If your mortgage rate (e.g. 3.5%) is lower than your expected investment return (e.g. 7%), investing the extra may build more wealth. At high rates (6.5%+), overpaying is often the better guaranteed return.
What happens after the mortgage is paid off?
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Your monthly payment becomes free cash. Reinvesting it (as this tool models) can build significant wealth. The 'Freedom Fund' metric shows exactly how much.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.