You have some extra cash and wonder whether to use it paying off debt or investing. It's a decision often made without a lot of consideration. But it has long term consequences. This free calculator shows you the future effects of an investment versus the effects of paying down a current debt. You need only three number: the amount available to invnest, the anual interest rate on your current debt, and annual return you expect on your investment. This financial calculator offers integrated help, provides automatic hints, and offers Wheatworks' integrated Upgrade Center for easy, free, online updates.