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Real Estate

Should I pay off my mortgage or invest?

Quick Answer

Compare your after-tax mortgage rate to the expected after-tax return of investing. With a 4% mortgage and 7%+ expected stock returns, investing usually wins. With a 7%+ mortgage, paying it down is competitive.

Decision framework for paying off mortgage versus investing.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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