Should I pay off debt or invest?
Every dollar has two possible jobs: killing debt or growing investments. The right choice depends on what your debt costs versus what investing might earn. These calculators make the comparison concrete.
See what your debt is really costing you
Shows how much interest you'll pay and how long you'll be trapped making minimum payments.
Credit Card Payoff Analyzer →What to do with it: Write down the interest rate. That's the guaranteed return you get from paying it off.
See what investing that money could earn
Projects what the same dollars could grow to in the market over the same years.
Investment Return Calculator →What to do with it: Compare this growth to your debt's interest rate. Debt at 25% beats almost any investment.
Check how stretched you already are
Measures how much of your income is already spoken for by debt payments.
Debt-to-Income Ratio Calculator →What to do with it: If this is high, paying down debt isn't just smart — it's urgent.
Putting it together
Simple rule that holds up: if your debt charges more than about 7–8% interest, kill the debt first — that's a guaranteed return no investment can promise. Below that, splitting between debt and investing is reasonable.