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    MSE overpayment calculator suggesting it is better to overpay a 3% mortgage than save interest at 4.5%

    @freakonaleash None of this is relevant to what the OP asked about. OP was checking his understanding of the calculation, which is correct. Everything you've written is incidental and not directly relevant. Adiós
  2. S

    MSE overpayment calculator suggesting it is better to overpay a 3% mortgage than save interest at 4.5%

    @freakonaleash OP is asking about a calculator and whether he's understanding the result correctly. Not particularly for advice on overpaying vs saving, and especially not what you personally did.
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