Repay or invest calculation - Saygin Advies

What is the smartest choice in your situation?

Do you have savings available and are you wondering what is wiser: making extra repayments on your mortgage or growing your wealth by saving or investing? The answer is not the same for everyone. It depends, among other things, on your mortgage rate, financial goals, risk appetite and future plans.

Compare the possible financial outcomes

With our Repay or Invest tool you get insight into the possible financial outcomes of both choices. This way you can compare different scenarios and better assess what fits your situation. The outcome gives an indication and helps you map out the options clearly.
Your current mortgage interest rate
Your risk tolerance and investment horizon
Tax advantages and disadvantages
Your long-term savings goal
Effect on your net monthly costs
Protection in case of disability or death

Not sure which choice best fits your goals?

We are happy to think along with you. During a personal conversation we discuss your wishes, financial situation and future plans, so you can make a choice that fits your financial future.
Enter your details
Enter your mortgage amount, interest rate, and the available extra amount per month in the calculator.
Compare the outcomes
The tool calculates the financial outcome of both scenarios — extra repayment versus investing — over a period you choose.
Get expert advice
The choice has consequences for your financial future. Our advisers discuss the options and help you make the right trade-off.
Request a no-obligation consultation
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Get a mortgage consultation

Do you have a question or would you like a no-obligation consultation? We are ready to guide you towards the best financial choice for your situation.
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Calculate here whether investing beats repaying

Frequently asked questions about repaying or investing

Extra repayment reduces your debt and monthly costs, but the money is then no longer available for other goals. Whether it is wise depends on your interest rate, tax situation, and financial goals. Seek advice.

Investment returns are never guaranteed and vary greatly by period and strategy. Historically, the average equity return over the long term is around 7% per year, but this is no guarantee for the future.

Most mortgages allow annual extra repayments up to a certain percentage of the original principal, penalty-free. Check your mortgage terms or ask your adviser.