Loan vs Investment.

How to use this calculator:

Enter your extra cash and time horizon.

Add your loan balance and APR (turn on deductible interest if it applies).

Add your expected investment return and investment tax rate (0% for retirement accounts in class demos).

Read the results:

End value: Pay debt = what your payoff decision is “worth” over time.

End value: Invest = after-tax expected outcome.

Break-even return = the return investing must earn to match paying debt.

Crossover year = when investing catches up (if it does).

Optional: turn on Risk Band to see a 10–50–90% range of investing outcomes.