Repay Mortgage or Invest?

Compare paying down debt with investing the same money.

Effective after-tax mortgage cost1.35 %

Gain from repaying: CHF 7'175
Gain from investing: CHF 24'012
Better option (before risk): Invest

Gain from repaying
Gain from investing

Gain from repaying – depending on Years (years)

How it works

Compares using spare money to repay a mortgage with investing it instead. Repaying saves the interest rate on the loan after the tax effect. Investing earns the expected return after tax. The calculator shows which option leaves you with more wealth over the chosen years.

Learn more

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