Mixtape Millionaire

How Much Is Your Debt
Costing Your Future Self?

Enter your debts below and see the real price: not just the interest you will pay, but what that money could grow to if invested instead.

Your Debts

Retirement Assumptions

Years Until Retirement 20 yrs
5 yrs 35 yrs
Expected Investment Return
%
Historical S&P 500 avg: ~10%. A conservative 7-8% accounts for inflation.
Your debt is costing your future self
$0
This is what your interest payments could have grown to if invested instead
The Real Cost Comparison
Total interest you will pay $0
What that interest could be worth if invested instead $0
Total interest you will pay across all debts $0
What that interest could be worth if invested instead $0

Breakdown by Debt

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Assumes no additional charges on credit cards. Monthly payments are assumed constant throughout the payoff period. Opportunity cost is calculated by taking the interest portion of each monthly payment, then compounding it forward from that month to retirement at the stated return rate. For illustration only, not financial advice.