Wealth Tools · The PennyJar
Your Equity Investment Options
Whether it came from downsizing, an inheritance, or years of saving — model what your money could grow to, and see whether investing or paying down your mortgage puts you further ahead.
Investment Projection
📈 Invest the Money
Lump sum invested—
Portfolio at 20 years—
Monthly income at 20 yrs—
Mortgage still owing—
💳 Pay Down Mortgage
Applied to mortgage—
Interest saved—
Monthly savings freed—
Portfolio at 20 years—
⚠️ Important: This comparison assumes your investment return of X% stays consistent over time, and your mortgage rate of X% does not change. In reality both can fluctuate. If your mortgage rate rises above your investment return, paying down debt becomes the better strategy. Review this calculation whenever your rates change.
Next Step
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