bank rate amortization schedule online, or you should have gotten one with your loan) and just pay the principle for the next month with each mortgage payment. That will also have you paying off twice as fast, if that is your goal, but leaves you with flexibility should you have an emergency and need that extra principal for something. Of course, your payments will increase to eventually twice your mortgage payment at the end. That’s just one way to pay off your home faster, but not get locked in to a higher mortgage payment. I won’t opine on investing versus paying off a house faster. Both provide different kinds of security, so you have to ask yourself which is more important to you. That answer changes over time based on family situation, how close you are to retirement, etc.