Prepayment vs. Investment This form allows you to compare what would happen if you took one of two choices with some extra cash you have -- prepaying your mortgage each month, or investing it instead. This tries to take into account your tax situation and assumes you always itemize (even late into your mortgage when your interest will be lower). Change these fields as desired: How much more you have to spend each month Current monthly payment (principal & interest only) Current Annual Loan Interest Rate Current Loan Balance Loan Interest Deductibility Yes No Expected Long Term Investment Return (%) Under Mattress (0.0 %) Checking Account (2.0 %) Money Market (4.5 %) CD's (6.0 %) Conservative Bonds (7.0 %) High-Yield Bonds (8.0 %) Conservative Stocks (9.0 %) Moderate Stocks (10.0 %) Agressive Stocks (12.0 %) Long Bull Market (15.0 %) Indefinite Bull Market? (20.0 %) Loan Shark! (30.0 %) Expected Long Term Tax Rate (%) (Federal+State) Investment Type After-Tax Tax Deferred

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