Calculator

Debt Payoff vs. Invest Calculator

Paying off debt is a guaranteed return equal to the interest rate. Investing is not guaranteed. Enter your numbers to see which one wins on the math.

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Your verdict

Cost of carrying this debt 1 more year
$0
at the current rate, on today's balance
The gap
0 pts
debt rate vs. assumed return
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The 7% default assumed return is based on the long-run historical inflation-adjusted average of the US stock market and is not guaranteed. This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Consult a licensed financial advisor or CPA about your specific situation.