Free Loan Payoff vs Invest Calculator Online
Decide whether to use extra cash to prepay a loan or invest it — compare after-tax interest saved vs after-tax investment returns for optimal financial decision. — 100% free online utility, zero sign-up, zero paywalls, and private client-side processing.
How It Works
Enter Loan Details
Input outstanding loan amount and effective interest rate (post-tax).
Enter Investment Details
Input expected investment return rate and tax treatment.
Enter Extra Cash
Enter the lump sum amount available for prepayment or investment.
View Recommendation
See which option generates more net wealth over 5/10/15 year horizons.
Frequently Asked Questions
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