A vs B
Choose a focused comparison, change the assumptions, and compare modeled outcomes. Each mode explains its assumptions without turning the result into personalised advice.
Scenario battle
Pay debt faster
Modeled interest avoided equivalent
$96,757
Invest the extra
Modeled investment value
$85,526
Under these assumptions
Pay debt faster has a modeled lead of $11,231.
This is a rate-equivalence comparison, not a debt payoff schedule. The debt side uses a nominal annual interest rate divided across 12 monthly periods; the investment side treats the entered return as an effective annual return. Reducing debt avoids a contractual interest cost while investment returns are uncertain and can be negative. Taxes, fees, changing rates, liquidity and risk are excluded.
Assumptions
No financial inputs are saved.
Extra monthly cash
Debt nominal annual rate
Assumed investment return
Comparison period