Have extra money? Compare whether it's better to pay down your mortgage or invest it.
How does it work?
1
Do nothing
You pay your normal monthly payment. This is your baseline.
2
Pay early
Each year you make an extra payment that reduces what you owe. You pay less interest and finish sooner.
3
Invest
Instead of paying extra on the mortgage, you invest that money. You keep paying normally. When your investment exceeds what you owe, you pay off the mortgage in one go.
€
€
Do nothing
20
years to finish
2046
Pay early
14
years to finish
2040
Invest
16
years to finish
2042
What you still owe
What it really costs you
If you invest, the investment profit reduces your total cost. The green part is money you get back.
Do nothing
Total you pay
€0
Just in interest
€0
Pay early
Years you save
6 años
Interest you save
€0
Total you pay
€0
Invest
Total you pay
€0
Your investment will be worth
€0
Profit from investing
€0
Profit after tax
€0
Total cost
€0
Before overpaying, check your rate
If your mortgage rate is high, lowering it can save more than overpaying. We review it for free.
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Estimate only. Doesn't account for tax benefits or early repayment fees. Tax on the investment gain is estimated using the 2025 Spanish savings income brackets (19%, 21%, 23%, 27% and 30%).