Investment vs Debt Payoff Calculator

Compare a simple “invest the extra money” vs “use it to pay down debt faster” scenario. This tool focuses on the effect of your extra monthly amount over a chosen time horizon – not your entire financial life.

Category: Finance Audience: Borrowers & investors

Inputs

Currency label (for your reference only)

The calculator does not convert currencies. Treat all amounts as your local currency.

Extra amount you can put toward investing or debt each month

This is on top of any minimum loan repayments or retirement contributions you already make.

Debt interest rate (per year, %)

Expected average investment return (per year, %)

Time horizon for this comparison (years)

This compares only the effect of the extra monthly amount over the chosen period. It does not show full loan payoff schedules or your entire portfolio.

Results

Enter your extra monthly amount, debt interest rate, expected investment return, and time horizon to see a simple comparison.

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