After taxes, your debt costs you 7.23% while your after-tax return on investments is 8.80%. Based on your current input, it appears that you would be better off investing any surplus funds while paying your minimum debt payment. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' numberSuffix='%' caption='Cost of Debt vs. Return on Investment' xAxisName='' numberPrefix='' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor=''><categories><category label='' /></categories><dataset seriesName='After-tax Cost Of Debt' color='06163a'><set value='7.23' /></dataset><dataset seriesName='After-tax Return On Investment' color='be5500'><set value='8.8' /></dataset></chart>"); // --> </script>