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Should I Pay Off Debt
or Invest?
Enter your debts, income, and investments. Get a personalized financial health score, a side-by-side 10-year net worth projection, and a clear recommendation — free, no signup.
🧮10-Year Projection
🏆Health Score A–F
💡Smart Recommendation
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Your Debts
Add a Debt
Balance
$
APR
%
Min Pay
$
Monthly interest$162.85
Balance
$
APR
%
Min Pay
$
Monthly interest$65.00
Total Debt
$20.5K
Avg APR
13.3%
Min/mo
$575.00
Your Financial Details
$
Income & 401k Match
$
$
%
%
Employer adds $156.25/mo free when you contribute $312.50/mo — always do this first.
7%
4% safe12% aggressive
2mo
Months of expenses covered
Financial Health Score
C+
54/100
Overall Score
Interest Rate Burden12/25
Avg APR 13.3% — moderate, keep reducing
Cash Flow Health9/25
32% of income goes to minimum payments — tight, reduce debt
Retirement Savings25/25
Capturing employer match — excellent free money
Emergency Fund8/25
2 months covered — build this before investing aggressively
10-Year Net Worth Projection
Net worth = investment balance minus remaining debt · assumes consistent monthly allocation
Debt FirstBest
10yr Net Worth$200.4K
Debt-FreeMonth 28
Interest Paid$2.7K
New Invested$120.0K
Invest First
10yr Net Worth$197.3K
Debt-FreeMonth 55
Interest Paid$6.6K
New Invested$116.9K
Balanced
10yr Net Worth$200.1K
Debt-FreeMonth 36
Interest Paid$3.8K
New Invested$119.4K
Year-by-Year Breakdown
| Year | Debt First | Invest First | Balanced | Winner |
|---|---|---|---|---|
| Year 1 | -$775.05 | -$1.1K | -$924.46 | Debt First |
| Year 2 | $15.9K | $14.6K | $15.3K | Debt First |
| Year 3 | $33.1K | $31.7K | $32.9K | Debt First |
| Year 4 | $52.3K | $50.3K | $52.1K | Debt First |
| Year 5 | $72.8K | $70.7K | $72.7K | Debt First |
| Year 6 | $94.9K | $92.6K | $94.7K | Debt First |
| Year 7 | $118.6K | $116.1K | $118.4K | Debt First |
| Year 8 | $144.0K | $141.3K | $143.8K | Debt First |
| Year 9 | $171.2K | $168.4K | $171.0K | Debt First |
| Year 10 | $200.4K | $197.3K | $200.1K | Debt First |
Your Personalized Recommendation
Debt First gives the best 10-year outcome — projected net worth of $200.4K
1Capture your full 401k match. Contribute $312.50/mo to receive $156.25/mo free from your employer — an instant 50% return.
2Your average APR of 13.3% likely exceeds market returns. Use the Avalanche method — pay highest-APR debt first while keeping minimums on the rest.
3Build a 3-month emergency fund before accelerating investments or extra debt payments. Without it, unexpected expenses go right back onto your credit card.
4After the above: put $1,200.00/month into the Debt First strategy. In 10 years, your projected net worth is $200.4K.
Includes health score · debt summary · 10-year projection · recommendations
Frequently Asked Questions