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Disclaimer
Paysaurius is for education only. It is not financial advice.
Not professional advice
Paysaurius is not a lender, mortgage broker, financial advisor, accountant, or tax professional. The calculators and articles on this site are general educational tools. They do not consider your complete financial situation, goals, or risk tolerance, and they are not a substitute for personalized advice from a licensed professional. Always consult a qualified advisor before making a mortgage, refinancing, or investment decision.
Estimates, not exact figures
Our calculators rely on standard formulas and the numbers you enter. Results are illustrative estimates that make simplifying assumptions, including:
- A constant fixed interest rate for the life of the loan.
- Level, on-time monthly payments.
- Exclusion of property taxes, homeowners and mortgage insurance (PMI), HOA dues, and escrow.
- Exclusion of lender-specific fees, prepayment penalties, and rounding conventions.
- Simplified tax treatment for the invest-instead comparison.
Your lender's actual figures may differ. Verify every number with your servicer before acting.
Investment returns are not guaranteed
Where our tools compare prepaying to investing, any investment return shown is a hypothetical projection, not a promise. Markets fluctuate and can lose value. Past performance does not predict future results. The only "guaranteed" return modeled is the interest saved by prepaying, equal to your mortgage rate before tax effects.
No liability
To the fullest extent permitted by law, Paysaurius and its operators accept no liability for any decision made, or loss incurred, in reliance on this site. You use it at your own risk. See our Terms of Use.
Verify before you act
Treat Paysaurius as a starting point for a conversation with your lender and advisor — not as the final word on your money.