Net Cost of Borrowing

Use this to compare the real after-tax interest rate of your mortgage. Then compare your after-tax yields on taxed investments and tax protected (i.e. tax-deferred 401(k),403(b),IRA accounts or tax free Roth or Education IRA accounts).


Change these fields as desired:
Nominal Mortgage Interest Rate
Expected Return Rate
Marginal Federal Tax Rate
Marginal State Tax Rate