Debt vs. Invest Calculator
Should you pay off debt or invest? Find out after taxes.
Debt vs. Invest Calculator launched on July 15, 2026 with 6 votes, #3,356 of 24,623 launches that month and more than 75% of that year's launches.
What it does
Most calculators compare debt rates to investment returns before taxes. That's often the wrong answer. A 5% HYSA vs. a 4% car loan looks like a +1% win. After taxes, it can become **-0.40%**—meaning paying off the loan wins. This calculator uses 2026 U.S. tax rules, including federal brackets, NIIT, HYSA/T-Bills/stocks/IRAs, car & student loan deductions, mortgage rules, state tax treatment, and shareable links. Free. Open source. No signup. Feedback welcome.
Calculate your true, tax-adjusted yields on HYSAs, T-Bills, Stocks, and IRAs compared to guaranteed car loan, student loan, or mortgage payoff.
Most financial advice ignores tax-drag. Savings accounts and stock dividends lose up to 40% of their growth to federal and state brackets. This calculator reveals the mathematically correct path. Enter your ordinary income and state preset. We parse your AGI to apply federal ordinary, capital gains, and NIIT rates. Input your debt rate. If it's a student loan or mortgage, we'll factor in itemization caps and interest deductions. View your guaranteed payoff spread compared side-by-side with 5 major tax-sheltered and taxable asset classes. OBBBA car loan deduction is only allowed on US-assembled vehicles. Math strongly favors paying off your car_loan debt. Doing so guarantees an effective,…from debt-vs-invest-calculator.pages.dev
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