Aftergrad Ledger

Premium tool / Lump sum vs. investing

Pay down your loan or invest the lump sum?

Optionally estimate liquidation tax on the full lump sum, set an emergency reserve, then compare using the remaining funds to reduce your U.S. student loan principal or invest while making the same scheduled monthly payments.

Sample inputs are prefilled. Replace them with your own loan details and hypothetical investment assumption before comparing estimates.

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