re: When does it make sense, mathematically, to accelerate mortgage payments?

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Correct that tax MAY be part of the calculation depending on when you sell. It is feasible to pay a very low tax rate if effective tax planning into retirement when income goes away.

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Is this entirely correct if you factor in how mortgage interest is amortized?

“Tax deferred”, drops you to 22% tax rate, not a huge difference, and you would only be paying the remaining principal balance, most of the interest is already paid so you’re not avoiding/reducing interest.

You’d still have to out pace your interest by 22%.

I’m not financial advisor/expert.

Can anyone run the numbers for “Net” assets at the end of 30 years.

$1M mortgage at 5% (for ease of calculation)
$200K household income.

Scenario A: Pay $2K/month extra on mortgage, when mortgage paid off, $2k + mortgage payment into tax free instrument at 3% until total time is 30 years from mortgage start date.

Scenario B: put 2k each month at 8.5% guaranteed return for 30 years, then at 30 years, reduce that amount by 22-25% for taxes.

How much money did you pay in total for your home (principal & interest) and how much is in your bank account?

Probably have to factor in mortgage interest, tax deduction, but being that the standard deduction has increased so much, I’m not finding that it’s not much of a savings. (Unless you’re self-employed, liar)