⚖ Which saves more: investing or paying off debt?

Finn

This calculator tackles the classic dilemma of whether to pay down debt or invest. It adds meaningful new logic over its original version by factoring in a 401(k) employer match and vesting schedules, which is a great touch. However, you'll want to take the final recommendation with a grain of salt. The tool currently compares the interest saved over your entire 10-year loan term against the investment gains made only during your short accelerated payoff window. Because it doesn't give your investments the same 10 years to stretch out and grow, it heavily biases the final verdict toward paying off debt.

Reviewed v26.9.0