Question 1

Which is better, Invest or Pay Off Mortgage?

Accepted Answer

It depends on your tax bracket, time horizon, and risk tolerance. Use the side-by-side calculator on this page to see which wins for your specific numbers.

Question 2

How does this Invest vs Pay Off Mortgage calculator work?

Accepted Answer

Enter your inputs (amount, rate, horizon) and the calculator computes the after-tax, inflation-adjusted outcome for both options side-by-side. Free, no signup.

Question 3

Is this analysis US-specific?

Accepted Answer

Yes. All defaults are based on 2026 US tax brackets, IRS contribution limits, and Social Security wage base. Currency is USD with CAD/GBP/EUR/AUD optional.

invest vs pay off mortgage

The Mortgage Payoff vs. Invest Decision Guide (2026 Edition)