<prompt> Human: Im trying to figure out if there is a Goldilocks period where the interest I pay on the house equals my tax savings? I am in a position to pay off the mortgage within the next 2 years and everyone is advising me against paying off entirely. I believe the last time I did my taxes, I was getting about 50 of the interest I paid back in taxes. How do I calculate to see if I can get the savings to be at or near 90? Edit: I really appreciate all the responses! Youve answered my question and then some. Thank you.  <response>: For a 1 interest payment to result in a 1 deduction, your marginal tax rate would have to be 100. 