Invest vs. Pay Down Debt
Use the same extra monthly cash under both strategies and compare a guaranteed debt payoff benefit with uncertain market outcomes.
Your decision
Use the same recurring and one-time extra cash under both strategies so the comparison stays fair.
Investment assumptions
Seeded lognormal scenarios use the same return path for both strategies.
Enter monthly extra cash, at least one one-time payment, or both to compare the strategies.
Display currency: USD. Loan balance, APR, remaining term, monthly extra cash, and saved one-time cash stay synchronized with the other financial tools. This comparison excludes investment taxes, mortgage-interest deductions, transaction costs, employer matches, and behavioral differences.