Home Loan Debt vs. Investment Tester
Thinking of extra payments on your home loan? Find out if extra payments to your homeloan now beats investing elsewhere (Opportunity Cost).
Introduction
This extra-payment tester is built for Malaysians deciding between paying down a home loan or investing the cash. It estimates the effective return of an extra payment after fees and timing, so you see if prepaying beats your benchmark or if the money is better deployed elsewhere.
How It Works
Share your loan balance, remaining tenure, and rate. Choose an extra payment, when you plan to withdraw it, and any bank fees. We calculate interest saved, net savings, and the annualized return versus your target.
What You’ll Learn
- •Whether an extra payment beats your target benchmark return.
- •How withdrawal timing and fees change your net savings.
- •Suggested extra payment or duration to reach your benchmark.
- •If leaving the cash in until the loan ends is better than pulling it early.