Streamlined calculator that considers dividends, inflation adjustments, and your RRSO rate.

Debt vs investment calculator

See whether accelerating loan payoff or investing extra cash builds more net worth over your chosen horizon.

Financial inputs

Streamlined calculator that considers dividends, inflation adjustments, and your RRSO rate.

Starting capital (PLN)

Remaining debt (PLN)

Loan APR (%)

Horizon (years)

20 years1-40

Monthly surplus (PLN)

Dividend yield (%)

Stock price growth (%)

Inflation (%)

Adjust for inflation

Recommendation

Focus on debt payoff

Financial advantage

PLN 130,561

Break-even return

7.2%

Payment needed to clear within horizon

PLN 2,362

Recommendation

Focus on debt payoff

Prioritising debt payoff can save about 130,561 across 20 years and free cash flow sooner.

Net worth – invest focusPLN 1,093,331

Remaining debtPLN 0

Estimated debt-free time4.5 years