You should consult your financial or tax advisor.

As of May 2025, the betterment payments started 11½ years ago.  Some proprietors chose to pay the betterment over 40 years.  The interest rate charged is 3.75% per year on balance due.

Say your initial betterment assessment was $18,607.

You've paid 11½ years which totals $12,815.

If you keep paying over remining 28½ years, you'll still pay another $31,760.  

That's a total of $44,576 over 40 years 

You can payoff your betterment balance whenever you wish.  (You MUST pay it off in full if you sell the property).

In the hypothetical example, the payoff today is only $13,324.

Would you rather pay $31,760 over 28½ years OR $13,324 today.