SHOULD I PAY OFF DEBT OR INVEST?

Stop guessing about your student loans. This tool compares the guaranteed return of paying off debt against the potential growth of investing. Crucially, it adjusts for your marginal tax rate to give you the real, mathematical answer.

💡 The Strategy

Should you pay off debt or invest? The answer isn't just about interest rates—it's about Taxes and Time. We calculate the "Effective Return" to compare the mathematical value of both paths.

💵 Monthly Surplus ($)

⏳ Timeline (Years)

📉 Debt Rate (%)

📈 Invest Return (%)

🏦 Investment Account Type

🔒 Your data is private and never stored.

Pay Debt Strategy

Invest Strategy

Need a better strategy?

View The Blueprint

Want to cut 5 years off that number?

The math assumes 'Average' returns and 'Average' taxes. But you are a high-income professional.

Learning to optimize your portfolio and tax strategy can accelerate this timeline significantly.

Learn more about the Beginner Course