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 How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. Asset Allocation Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance. U.S. Personal Savings Rate What can be learned from the savings rate?