Personal Finance & Wealth Management · Simulator

Mortgage Payoff vs. Market Investment Arbitrage Simulator

Compare terminal net worth, after-tax yield spreads, and liquidity metrics when allocating extra monthly cash to low-interest mortgage payoff versus taxable market investing.

Your numbers

Remaining Mortgage Balance

AED

Mortgage Interest Rate

Remaining Mortgage Term

years

Extra Monthly Cash Available

AED

Expected Gross Annual Investment Return

Marginal Income Tax Rate

Capital Gains & Dividend Tax Rate

Analysis Horizon / Years to Retirement

years

Net Wealth Advantage of Investing over Payoff

AED 436,197

Strong Investment Arbitrage Advantage

Expected after-tax market returns significantly exceed your low mortgage rate, maximizing long-term wealth creation via market investment.

After-Tax Yield Spread

3.9%

Projected Investment Portfolio Value

AED 1,557,549

Compounded Value of Early Debt Payoff

AED 1,121,352

Effective After-Tax Debt Cost

2.9%

Break-Even Gross Market Return Threshold

3.4%

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Verified Aug 29, 2026· Sources · Methodology

Methodology

Assumptions

Sources

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