Free financial calculator
Pay Off Debt vs Invest Calculator
Compare a guaranteed debt-interest saving with an uncertain investment return.
Use the calculator ↓Adjust the assumptions
Pay Off Debt vs Invest Calculator
Compare a guaranteed debt-interest saving with an uncertain investment return.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
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Questions answered
What this calculator helps you work out
- Should I use available cash to repay debt or invest?
- How does the debt rate compare with the expected return?
- What is the value difference over time?
Common questions
Pay Off Debt vs Invest Calculator FAQs
Is repaying debt a guaranteed return?＋
Interest avoided is generally predictable if the debt rate is fixed and there are no repayment penalties.
Should I invest without emergency savings?＋
The calculator cannot assess your cash buffer or personal risk.
Does this account for investment tax?＋
No. Enter a cautious return after expected fees and tax if relevant.