Should I Pay Off Debt or Invest?
The rule of thumb is simple: **if your debt costs more than your investments are likely to earn, pay off the debt first.** This calculator turns that into your numbers — compare the interest you're guaranteed to pay on debt against the expected growth of an investment, over the same time period.
Result (annual comparison)
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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 and vary. Past performance does not guarantee future results. This is a decision framework, not a recommendation for your situation.