Pay Down Mortgage vs Invest Calculator (Singapore, 2026)
This is a numbers-first model. It does not capture behavioural risk, liquidity value, or CPF constraints — but it helps you sanity-check trade-offs quickly.
Want the framework?
Inputs
Results
Standard monthly payment
—
—
Pay-down monthly payment
—
—
Interest saved (within horizon)
—
—
Debt reduction vs invest (net)
—
—
Details at horizon
Remaining balance (standard)
—
Remaining balance (pay-down)
—
Investment future value
—
Loan payoff time (pay-down)
—
Interpretation: within your horizon, paying down is “ahead” if the debt reduction (standard balance − pay-down balance) is larger than your investment future value for the same extra cash — or if you value certainty and liquidity buffers more than the expected return.