Pay Off the Mortgage or Invest?: by the expected return
2026 law · reviewed September 7, 2026
| Expected return | Extra to the mortgage, then invested | Extra invested throughout | Which leaves more |
|---|---|---|---|
| 4% | $314,999 | $257,065 | The mortgage, by $57,934 |
| 5% | $330,270 | $297,755 | The mortgage, by $32,516 |
| 6% | $346,497 | $346,497 | They tie |
| 7% | $363,745 | $405,036 | Investing, by $41,291 |
| 8% | $382,085 | $475,513 | Investing, by $93,428 |
$300,000 at 6% with 25 years left and $500 a month extra, at five expected returns, no deduction: the position at the original end date each way (hypothetical assumptions; method reviewed September 7, 2026).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.