Debt vs. Investing Calculator

Enter your numbers. See which move actually wins — paying debt or putting money in the market.

Currency:
⬡ Your Numbers
Total owed — credit card, personal loan, etc.
S$
Annual interest rate on your debt
%
Available each month for savings or debt
S$
Annual return from index funds (S&P 500 avg ~10%)
%
How many years to model
10 yrs
Results update live as you change your numbers below.
Path A Pay Debt First
Path B Invest First
Months to clear debt
Total interest paid
Portfolio value after 10 yrs
▸ Net Worth Over Time: Path A vs Path B
Pay Debt First
Invest First

Calculations by BaselyFinance.com. Results are illustrative projections only and do not account for tax, inflation, or changes in interest rates. Investment returns are not guaranteed. For Path B, minimum debt repayment is modelled as 2% of the outstanding balance per month. This calculator is for educational purposes only and does not constitute financial advice. See the Compound Interest Guide for context on long-run growth figures.