Paying down debt is a guaranteed, tax-free return equal to its interest rate; investing is a higher but uncertain return. Enter your numbers to see which puts you further ahead — and by how much.
Inputs
$
%
%/yr
yrs
Verdict
Pay down the debt — its guaranteed return beats the market
Value of paying debt
$29,682
guaranteed, at your debt rate
Value of investing
$21,478
expected, not guaranteed
The numbers
Edge to the winner
$8,204
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Prices in
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How it's calculated
Paying debt earns a guaranteed return equal to the debt's interest rate.
Investing earns your expected return — but it isn't guaranteed.
We compound your extra monthly amount at each rate and compare.