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Friday, March 27, 2026
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30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲

Mortgage vs Invest Extra Cash

See whether extra cash should prepay your mortgage or go into investments.

Scenario Inputs

%
$
$
%
Recommendation
Investing extra cash is projected to outperform early mortgage payoff.
Interest savings and investment growth are based on constant-rate assumptions.
Interest saved
$80,196
Investment gains
$176,474
Visual Comparison
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Should you prepay your mortgage or invest extra monthly cash in 2026? This calculator estimates the tradeoff between interest savings and market growth under your assumptions.