Loan Parameters
Total purchase price of the home
Use arrow keys to adjust home cost between $250,000 and $2,000,000
Percentage of home cost paid upfront
Use arrow keys to adjust down payment between 5% and 100%
Annual interest rate for 30-year mortgage
Adjust 30-year mortgage interest rate between 3% and 10%
Annual interest rate for 20-year mortgage
Adjust 20-year mortgage interest rate between 3% and 10%
Annual interest rate for 15-year mortgage
Adjust 15-year mortgage interest rate between 3% and 10%
Expected annual inflation rate
Set expected inflation rate between 1% and 8%
Expected annual investment return
Set expected investment return between 3% and 15%
Additional payment toward 30-year mortgage
Set extra monthly payment between $0 and $2,000
Live Net Financial Position
Real-time comparison including investment gains and home equity appreciation
How to Read This Chart
- Above zero: Total gains exceed mortgage costs
- Below zero: Mortgage costs exceed total gains
- Orange line: 30-year mortgage + invest difference + home equity gains
- Blue line: 20-year mortgage + invest after payoff + home equity gains
- Purple line: 15-year mortgage + invest after payoff + home equity gains
- Home gains: Based on 3% annual appreciation on your equity portion
Detailed Comparison Results
30-Year Mortgage Details
20-Year Mortgage Details
15-Year Mortgage Details
Detailed Cost & Investment Analysis
Cumulative Real Cost Comparison
Shows total mortgage costs adjusted for inflation
Investment Opportunity Analysis
Shows potential investment growth under each strategy