Overpay or invest, in hindsight
What if I'd invested instead of paying off my mortgage early?
Pick when you could have started. This replays real mortgage rates, stock market returns and savings rates from then to today.
Instead of overpaying, put it in
Year you could have started
Your numbers
What you'd have minus what you'd owe, on each path. Below zero means the mortgage is bigger than the investments. Touch the chart to scrub.
Where the money went
Both paths spend the same each month. The difference is where the extra goes.
Assumptions you can change