Free financial calculator
Mortgage Overpayment vs Investing Calculator
Compare using spare monthly cash to overpay a mortgage or invest alongside it.
Use the calculator ↓Adjust the assumptions
Mortgage Overpayment vs Investing Calculator
Compare using spare monthly cash to overpay a mortgage or invest alongside it.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
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Questions answered
What this calculator helps you work out
- Could mortgage overpayments or investing finish ahead?
- How does my mortgage rate compare with an assumed investment return?
- What happens after an overpaid mortgage is cleared early?
Common questions
Mortgage Overpayment vs Investing Calculator FAQs
Is mortgage overpayment guaranteed to save interest?＋
Usually, provided your lender applies the payment to principal and does not charge a penalty.
Are investment returns guaranteed?＋
No. The investment result is an illustration and can be lower or negative.
Does this include early repayment charges?＋
No. Check your mortgage terms before making an overpayment.
Go beyond the result
Should You Overpay the Mortgage or Invest?
See a worked example, the trade-offs to consider and the assumptions that can change the answer.