Should I Pay Off Debt or Invest? This calculator will help determine whether you should invest funds or pay down debt. You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Inflation and the Real Rate of Return Learn about the role of inflation when considering your portfolio’s rate of return with this helpful article. A Primer on Dividends A company's profits can be reinvested or paid out to the company’s shareholders as “dividends." IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.