DebtVest: Pay Off or Invest

Model debt paydown vs investing with Monte Carlo simulations, trajectory charts and scenario tracking. Optimised for Australian mortgage holders. Accessible to all.

DebtVest helps you answer the question every mortgage holder faces: should I put extra cash toward my debt, or invest it?

Enter your loan details, monthly surplus, and investment assumptions. DebtVest runs four strategies side by side: Reduce Debt, Invest and Hold, Invest and Sell, and Hybrid, and shows you exactly which comes out ahead over your chosen time horizon.

WHAT DEBTVEST MODELS

• Debt paydown vs investing scenarios with year-by-year projections
• Monte Carlo simulations across 300+ probabilistic runs showing likely, low, and high outcomes
• Australian tax mechanics including CGT discount, Medicare levy, and marginal tax rates
• Lump sum deployment strategies: offset vs invest vs strategy-matched
• Interest saved, tax paid, and net wealth position for every strategy

PRO FEATURES (subscription or one-off lifetime purchase required)

• Full trajectory charts tracking mortgage balance and investment portfolio side by side
• Monte Carlo simulation with win probability and P10/P50/P90 outcomes
• Key milestone comparisons showing when each strategy pays off the loan
• Volatility stress tests across three market scenarios
• Save unlimited scenarios locally on your device
• Check-in reminders:weekly, monthly, or quarterly, to track your progress
• Compare each check-in against your previous saved run

YOUR DATA STAYS ON YOUR DEVICE DebtVest stores all scenarios locally using on-device SQLite. Your financial details are never sent to external servers.

IMPORTANT DISCLAIMER DebtVest provides illustrative scenario modelling only. Results are based on simplified assumptions and do not constitute personal financial advice. Always consult a qualified financial adviser before making investment or debt management decisions.

LEGAL By using DebtVest you agree to the Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ and DebtVest's Privacy Policy: https://debtvest.app/privacy

Supports Australian tax brackets. Additional jurisdictions available including US, UK, NZ, Canada, Hong Kong and Singapore.