Debt or Invest?

Enter your debt interest rate and your expected investment return.
We apply one rule: a guaranteed saving always beats an uncertain gain of equal size.

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Credit card, loan, or overdraft annual rate
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Stocks, index funds, savings — annual p.a.
The Golden Rule: A guaranteed debt-rate saving is more valuable than an uncertain return of the same size — because debt compounds against you at a certain rate, while investment returns are probabilistic. Paying off high-interest debt is almost always the risk-free trade.

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