Mortgage Overpayment
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Balance remaining over time
Interest saved
£55,409
By overpaying £200 a month
Months saved
49
Total cost
£444,336
£499,745 without overpayment
Invest instead
£138,599
At 6.00% over 25 years
Invest delta
£83,190
Investing wins
Not financial advice. The chart assumes your lender allows unlimited overpayments and that the rate schedule you entered applies for the full term. The "invest instead" figure uses a fixed annual return assumption; real returns will vary. Your inputs stay in your browser.
What if that overpayment grew as dividend income?
If you invested your overpayment at 6.00% dividend growth, DividendMapper models the actual income your portfolio could produce. It is worth comparing that against the guaranteed interest saving from overpaying.
Want to see the formulas, assumptions, and sources behind the numbers? Read the Mortgage Overpayment methodology.