RATIOXA MONEY · Decision tool
Repay or invest?
Compare guaranteed interest savings with an assumed after-tax investment return.
5 inputsQuick comparisonSaved locally on this device.
DECISION PACK
Repay or invest?
Created: 18/08/2026 · repay-or-invest@5.0
Important: Not personal investment or credit advice. Returns are uncertain.
Result · Why?
Close result — only €833 apart
Repayment produces guaranteed interest savings; investment may return more but carries market risk.
Difference€833
Repayment: value
Investment: value
Break-even
Gross-return crossover
Pre-tax return required to match the debt rate mathematically.
Result robustness
Sensitive result
A realistic change to one important assumption may reverse or materially narrow this result.
- Expected gross returnApprox. change in result: €1,748
- Debt rateApprox. change in result: €1,625
- Tax on gainsApprox. change in result: €617
RATIOXA STORY
Your Decision Story
- 1
Repayment: value: €38,021
- 2
Investment: value: €38,854
- 3
Both options leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Available amount
- + Debt rate
- + Expected gross return
RATIOXA IMPACT MAP
What matters most?
Expected gross return€1,748
Debt rate€1,625
Tax on gains€617
Horizon€124
Available amount€83
Higher impact →Key insight
Your decision is most vulnerable to changes in Expected gross return.
Repayment produces guaranteed interest savings; investment may return more but carries market risk.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
RATIOXA ×
Gross-return crossover
Pre-tax return required to match the debt rate mathematically.
Crossover5.7
Compare everything
Repayment: valueInvestment: value
Result value€38,021€38,854
Difference——
Avoided interest effect€13,021€13,854
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/5 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- Repayment is modelled as the guaranteed avoided compounding of debt.
- Investment return is simplified to an after-tax rate using the entered tax.
Substitution with your values
Sum of displayed components A = 13021.15 = 13021.15Sum of displayed components B = 13854.14 = 13854.14Total: 38021.15 / 38854.14Important: Not personal investment or credit advice. Returns are uncertain.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- What is the effective APR?
- Can I make additional repayments?
- Which early repayment fees apply?
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