Facing a loan payoff decision? Whether it's a student loan, mortgage, or credit card debt, our tool helps you evaluate the financial implications, emotional considerations, and credit score effects to make the best choice for your situation.
Your Privacy Matters
Your privacy is our priority. We don't collect personal data or emails, and we won't sell you anything. This tool is solely designed to educate and assist you in making informed financial decisions.
Financial Analysis
Input your loan details and potential investment returns to determine whether paying off your loan early or investing your money yields better financial outcomes.
Risk Comfort
Understand how your risk tolerance and feelings about debt influence your decisions. Learn to use debt wisely.
Credit Score Impact
Learn how debt levels affect your credit score and how much you pay for loans. Get tips for improvement.
How It Works
1
Answer a few questions: Provide details about your loan, investments, and financial habits. Your information is processed in your browser and not stored.
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Get AI-powered analysis: Our system evaluates your data from multiple perspectives to provide educational insights.
3
Receive personalized recommendations: Make confident decisions with a clear, actionable plan.
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Download your summary: Keep a record of your inputs and our insights. We don't keep a copy.