As the year drew to a close, I found myself debating—both with myself and with AI—whether it makes sense to start paying down my mortgage early. The considerations split into two categories:
: These are the numbers—ROI, prepayment costs (if any), interest rates, amortization schedules, and so on.
: Factors we don’t talk about enough, like alternative investment opportunities (the higher the market returns, the less attractive it is to pay off debt), age—yes, that matters from experience. At 60, the world of leverage looks very different. Risk tolerance, and the number of payments left, all play a role.
With the help of AI, I wrote an algorithm that can help you weigh your own considerations and make a decision. I’m excited to share it with you—enjoy exploring it here: 👉 Pay Off Mortgage vs. Keep Leverage Analysis Tool
