Inputs
Read Invest vs Pay Debt, then enter balances, contribution dates, horizon, and fee % from your statement. If the curve looks wrong, check compounding frequency and whether contributions are beginning or end of period.
One at a time
After each run, change only one input. The input that moves the ending balance the most is the one to verify or research further.
Deliberate tweak
Raise the annual fee by 0.2% for twenty years; if the goal is missed, fees were a larger lever than small differences in last year’s performance.
Signal
Inputs saved Largest swing
From your statement
Core lesson
Go deeper: Invest vs Pay Debt. Use the calculators below with your own loan or bill numbers, not only the examples on this page.
Use the calculator
FAQ
- Where is the main lesson?
Invest vs Pay Debt is the hub with related lessons linked from it.
- Which calculator should I open first?
Use Investment growth or Lump sum growth for long horizons; Savings goal for targets; Debt payoff when comparing to loans.