Should You Pay Off Your Mortgage Early?
Find out if you'd build more wealth by investing
For existing homeowners
Analysis-based decision making
Tax-optimized strategies
Compare multiple scenarios
How It Works
Four simple steps to discover your optimal mortgage strategy
Enter Mortgage Parameters
Grab your mortgage contract and a cup of coffee. We know attention to detail matters when it comes to your biggest investment.
Set Investment Parameters
This is a decades-long commitment, so pick your best bet. The future is uncertain, but your assumptions should be realistic.
Add Extra Payments
Got a bonus? Regular monthly amounts? We'll factor in tax benefits for primary and secondary residences to show the real impact.
Run the Analysis
Sit back and let us do the magic. We'll crunch the numbers and show you whether investing or prepaying makes more sense.
Your Financial Personality, Your Strategy
Dark Mortgage adapts to your risk tolerance. Whether you're conservative, balanced, or aggressive, we'll show you the optimal path for your mortgage and investment decisions.
Conservative
5% Expected Return
Prioritize safety and predictable returns. Perfect for those who value peace of mind over maximum gains.
- ✓Low-risk investment strategies
- ✓Focus on debt reduction
- ✓Predictable financial outcomes
- ✓Mortgage prepayment emphasis
Balanced
7% Expected Return
Strike the perfect balance between security and growth. Make data-driven decisions that optimize both paths.
- ✓Diversified approach
- ✓Tax-optimized strategies
- ✓NPV-based decisions
- ✓Flexible debt management
Aggressive
9% Expected Return
Maximize wealth building potential. Leverage mortgage rates to invest in higher-return opportunities.
- ✓Investment-first strategy
- ✓Leverage low mortgage rates
- ✓Long-term wealth accumulation
- ✓Market-opportunity driven
Not sure which profile fits you? Select the one it feels right and discover your optimal strategy.
Try it for free!
Get your personalized analysis in under 2 minutes
Cashflow Analysis
Growth Strategy
Plan your growth strategy
Analysis Parameters
Analysis Method
Investment analysis requires at least one additional payment. The analysis compares investing extra money vs. prepaying the mortgage, so additional payments are necessary.
Net Present Value (NPV) compares two financial paths: investing extra payments versus prepaying your mortgage.
Investment Analysis
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Unlock Powerful Features
Make more informed financial decisions with advanced analysis tools
Sensitivity Analysis
Model your actual mortgage with ARM parameters, payment schedule changes, and additional payments to analyze how different scenarios impact your financial outcomes
ARM (Adjustable Rate Mortgage)
Model your actual ARM with automatic rate adjustments based on treasury indices, caps, floors, and custom adjustment periods
Advanced Tax Deductions
Accurate tax modeling with SALT cap handling (including 2025-2029 increases), mortgage interest deductions, and state-specific calculations
Payment Schedule Changes
Model payment frequency changes (monthly to biweekly), one-time extra payments, and recurring additional payments to optimize your payoff strategy
Frequently Asked Questions
Common questions about mortgage prepayment and investment analysis
It depends on your mortgage interest rate, expected investment returns, tax situation, and risk tolerance. Our NPV analysis calculator helps you compare both strategies with your specific numbers to make an informed decision.
Our calculator uses Net Present Value (NPV) analysis to compare two scenarios: 1) Making extra mortgage payments to pay off early, and 2) Investing that extra money. It accounts for tax deductions, investment taxes, and time value of money.
Yes! Dark Mortgage offers a free tier with basic mortgage calculations and comparisons. Premium features include advanced NPV analysis, ARM rate modeling, and comprehensive tax optimization.
NPV (Net Present Value) analysis compares the present value of paying off your mortgage early versus investing that money. It accounts for opportunity cost, tax benefits of mortgage interest deductions, and capital gains taxes to help you understand the financial implications of each approach.