Invest vs Pay Off Mortgage Calculator UK

The invest vs pay off mortgage calculator shows which use of spare cash leaves you wealthier over your mortgage term.

Mortgage overpayment is a guaranteed return at your mortgage rate; investing offers a higher expected return but is uncertain.

Tax wrappers like ISAs and pensions tilt the comparison heavily in favour of investing for most UK households.

The right answer depends on your mortgage rate, expected investment return, your tax position, and how much risk you can stomach.