Compare mortgage paydown and monthly investing.
Explore what changes when an extra monthly amount is used to pay down the mortgage, invest monthly, or split between both.
No login requiredServer-side calculationsNo financial, tax, or legal advice
When do I use Pengemotor?
Use Pengemotor when you want to understand how financial choices may develop over time.
Current beta focuses on:
- paying extra on the mortgage
- investing the same monthly amount
- splitting the amount between both
Planned modules will expand this to portfolio, wealth, and retirement scenarios.
Try a scenario
Two examples. Adjust the slider to see how outputs change.
Saving vs investing
See how a fixed monthly amount develops over time in a savings account versus investing, and how inflation affects the real value.
Extra mortgage payment
Add a fixed extra amount each month and see how it changes the time to pay off the loan and the total interest.
Simulations only, not financial advice. Numbers are simplified and based on fixed assumptions. Your actual situation, bank terms, and tax rules will give different results. The full legal disclaimer is in the Trust section.
Coming next
Pengemotor is being built step by step: mortgage first, then portfolio, wealth, and retirement simulations. Concept previews are shown for direction only and are not active yet.
Portfolio Builder Simulator
PlannedBuild a manual portfolio scenario using selected stocks, funds, dividend assumptions, and yearly projections.
Early Retirement Simulator
PlannedExplore how long-term savings, pension contributions, and portfolio cashflow could affect retirement timing.
Total Wealth Dashboard
PlannedCombine assets, liabilities, loans, portfolios, and future simulations into one overview.
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Built for clarity.
Pengemotor is a beta financial simulation tool. It shows scenario outputs based on transparent assumptions. It does not provide financial, tax, legal, or investment advice.
- No login required for beta simulator
- Server-side deterministic calculations
- Transparent assumptions
- No bank connection or portfolio connection in beta
This is a financial simulation based on mathematical formulas and published rules. Actual outcomes may differ.