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 My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates. Mortgages in Retirement Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article. 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.