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Debt vs. Invest Calculator
Should you pay off debt or invest? Find out after taxes.
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.
Built this because every calculator I found compared rates
nominally — ignoring tax drag entirely. A 5% HYSA looks
better than a 4% car loan until you account for 22% federal
+ state tax. Then the loan payoff wins.
Models 2026 IRS rules including the new OBBBA car loan
deduction. Free, no signup, open source.
If you spot a tax rule I got wrong, tell me — I'll fix it.
would love to see a way to model multiple debts side by side, so i can see whether paying extra on the car loan vs. the student loan vs. the mortgage gives the biggest after-tax benefit given the specific deduction rules for each.
About Debt vs. Invest Calculator on Product Hunt
“Should you pay off debt or invest? Find out after taxes.”
Debt vs. Invest Calculator was submitted on Product Hunt and earned 0 upvotes and 2 comments, placing #81 on the daily leaderboard. 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.
Debt vs. Invest Calculator was featured in Finance (6.1k followers) and Personal Finance (2.9k followers) on Product Hunt. Together, these topics include over 9.3k products, making this a competitive space to launch in.
Who hunted Debt vs. Invest Calculator?
Debt vs. Invest Calculator was hunted by Mohit Agarwal. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Mohit Agarwal