Overpay mortgage or invest? I built a calculator to help you decide
Hey. I built a loan (mortgage) calculator that lets you compare the savings from overpaying your loan with the potential profits from investing those extra funds. It will help you answer a key question: is it smarter to overpay your mortgage or invest the extra money? See the hard data and make smarter financial choices! The comparison is simple: 1. Both the overpayer and the investor have the same mortgage. 2. They both spend the same amount monthly. 3. The overpayer overpays the mortgage installments. 4. The investor puts that extra money into investments. Who comes out ahead after the…
Overpay mortgage or invest? I built a calculator to help you decide launched on October 1, 2024 with 9 votes, #1,236 of 5,185 launches that month and more than 75% of that year's launches. The site was still online in September 2026, 2 years on.
What it does
Calculate your monthly mortgage payments and repayment schedule. See savings from mortgage extra payments! Modern, free loan calculator, try it now!
Overpayment of a loan refers to the voluntary repayment of part of the debt or the entire amount owed. A loan consists of the principal and interest components. The principal is the amount borrowed from the bank, while the interest is an additional cost paid to the bank in exchange for granting the loan. When paying the monthly loan installment, we return part of the borrowed principal and the interest. Overpayment applies to the principal portion of the loan installment. Under certain conditions, overpayment can reduce the amount of interest that needs to be paid. In practice, this means that by overpaying the loan, we decrease the total interest payable. It is important to remember that…from showloan.info
In the maker’s words, at launch
Hey. I built a loan (mortgage) calculator that lets you compare the savings from overpaying your loan with the potential profits from investing those extra funds. It will help you answer a key question: is it smarter to overpay your mortgage or invest the extra money? See the hard data and make smarter financial…
Does a similar job
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Own or Rent: Smarter Home Decisions2025 · ownorent.com · ▲11Hi HN, I built Own or Rent (https://ownorent.com) after getting frustrated with existing rent vs. buy calculators that hide assumptions and use confusing jargon. What's different: - 100% transparent calculations - no hidden fees or confusing math - Results in under 5 minutes without lengthy forms - Public REST API for developers building financial apps or LLM integrations - Clear breakdown of mortgage payments, taxes, maintenance, and opportunity costs The API is particularly useful for chatbots, financial advisory platforms, or any app that needs reliable rent vs. buy…
MortgageMeasureJun 2026 · mortgagemeasure.com · ▲2Should you pay off your mortgage or invest? Find out now.
Meihus – Mortgage calculator that shows early payment impact monthly2025 · meihus.com · ▲20As promised in another post a new version is out. This version focuses mainly on localization which is done by parsing the IP country before the page loads. Also, the users now have the possibility to select the language they see the page in. Previous post details: I built it because I needed a way to see how much will my early payments save in interest overtime. Most of the websites I found are solely made for the US, which does not help my case. So I built one that has a bit more flexibility in terms of loan data. Any feedback is appreciated.
Source: Show HN post ↗ · launch text quoted in part
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