Financial

Debt vs Investment Calculator

Compare the financial benefit of paying off debt versus investing. See which option provides better returns for your money.

Using the Debt vs Investment Calculator

Should you pay off your 4% mortgage or invest in the stock market expecting 7%? This calculator evaluates the "Opportunity Cost" of your money to help you make the mathematically correct choice.

How it Works

Enter your debt interest rate.

Enter your expected investment return (ROI).

Account for taxes (investment gains are often taxed, while debt interest is sometimes deductible).

Review the "Wealth Difference" over a 10-year period.

Debt Balance ($)

Debt Interest Rate (%)

Available Money ($)

Expected Investment Return (%)

Your Tax Rate (%)

Time Horizon (years)