AI can explore your options, but it needs the right facts and assumptions first. Wayli runs the comparison, explains what drives the result and creates a structured summary you can use to continue the conversation.
Built to help my family. Shared in case it helps yours.
This tool was built to help my family explore whether spare money might be better used to overpay a mortgage or invest instead.
We are sharing the comparison in case it helps you understand the same trade-off. It shows what happens under the figures and assumptions entered. It does not tell you what to do.
Each question uses the same mortgage and investment model, but brings a different part of the result to the front. Choose the question closest to what you are trying to understand, then enter your figures below.
Start with the example values and replace what you know. Valid changes refresh the comparison automatically.
Nothing about your mortgage has been saved yet. The example values remain temporary until you choose to save.
Only balance, rate, remaining term and normal monthly payment are saved. The overpayment amount and investment return remain choices for this scenario. Details stay in this browser and are not obtained from your lender or bank.
Monthly payment is required.
Before relying on this scenario
This Wayli tool helps you explore a current picture based on the information you've entered and the assumptions below. It does not tell you what to do, but it will help you understand your options, the trade-offs involved, and the factors most likely to change the outcome.
This is an educational model, not financial advice. It explains the figures and assumptions entered; it does not assess your full circumstances or tell you what to do. Consider seeking advice from a suitably qualified professional before making a financial decision.
Continue with another decision or examine the research and experiments behind Wayli.