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Mortgage overpayment versus investing

Compare interest saved with an investment assumption on the same monthly amount.

Illustrative result

Interest saved beside an investment assumption

This is an illustration. It is not a mortgage offer, a lending decision or a guarantee of investment growth.
The investment can lose money. The mortgage rate is contractual only for its current deal.
These are not equivalent risks. One reduces a debt. The other depends on a growth assumption.

Which is better?

The page shows two numbers. It does not decide. Tax, risk and early repayment charges sit outside the comparison.

The result stays in your browser. Create an Aldoraun account if you want to keep a budget, accounts and a cashflow forecast.

Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.