Compound Lane · Debt vs Invest
Should you pay off debt or invest?
If your debt costs more than investments are assumed to earn, paying it off is the guaranteed better move. This calculator compares the yearly cost of carrying debt to the yearly gain if the same money were invested.
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Annual comparison on the same balance
Debt cost (balance × APR)$—
Investment gain (balance × return)$—
Better move by$—
Here's why
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— Debt cost is guaranteed; investment gain is not. Many people clear debt even when the math is close — for the peace of mind. Source & verification date →
Your next step
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Where this fits
Assumptions & methodology
Annual debt cost = balance × APR; annual investment gain = balance × expected return. Investment returns are uncertain; debt cost is guaranteed. This is a decision framework, not a recommendation.
After the debt comparison, try Compound Interest or Emergency Fund for the foundation.
Education, not advice: This tool is for education only and is not personalized financial advice. Debt interest is a guaranteed cost; investment returns are not guaranteed. Past performance does not guarantee future results.