Sam · What-If StrategistWhat if I received a $100,000 windfall?
A bonus, inheritance or sale lands in your lap. See whether investing it or clearing debt could leave you better off.
Free to start · iOS & Android
Make found money work hardest
A windfall is a rare chance to move the needle — but only if it's used well. Investing it can compound for years; paying off high-interest debt is a guaranteed return equal to the rate. This compares the two so you can see which wins on your numbers.
Questions people ask
What should I do with a windfall?
Common moves are clearing high-interest debt, topping up an emergency fund, and investing the rest. Paying off expensive debt is a guaranteed return; investing is potentially higher but uncertain.
Is it better to invest or pay off debt?
If your debt rate is higher than your expected investment return, paying it off usually wins because the saving is guaranteed. The calculator compares both at the rates you enter.
Should I spend any of it?
Setting aside a small portion to enjoy can make the discipline sustainable. This tool focuses on the invest-versus-debt math, not on budgeting the fun part.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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