Should I overpay my mortgage or invest the money instead?

Spare money each month and a mortgage to match: should you throw it at the loan or put it to work in the market? It is one of the most argued-about questions in personal finance, and the honest answer is that it depends on your rate, your timeframe, and your assumptions. Doughsense lets you stop arguing in the abstract and compare the two futures directly.

The shape of the answer

Rather than trust a rule of thumb, you build both plans and put them next to each other:

• Plan A: overpay. Direct the surplus at the mortgage and let Doughsense project how much faster it clears and what your position looks like once it is gone.
• Plan B: invest. Direct the same surplus into investments at a growth assumption you choose, and project that path instead.
• Compare side by side. Doughsense lets you hold named plans next to each other, so you can see net worth, debt, and cash flow for both at the same points in time.
• Weigh it honestly. The comparison uses your mortgage's rate against your investment growth assumption, so the answer reflects your real interest cost rather than a generic example. A Monte Carlo simulation shows how the invest route holds up across market history, not just in the good case.

What you end up with

Two concrete futures, on your numbers, with the trade-offs visible: guaranteed interest saved on one side, uncertain but potentially larger growth on the other. You decide with the maths in front of you, and you can keep whichever plan you choose.

The growth and return assumptions are yours to set, and we are open about how the projections and simulations work, so nothing about the comparison is hidden.