Prism Payoff — Should You Pay Off Your Loan Now?

⚡ Quick examples

📋 Current Loan Details

Outstanding Balance $

Monthly Installment $

Months Remaining

Early Payoff Penalty % ℹ

💰 Available Cash

Cash You Have Now $

Emergency Fund (keep) $recommended 6 months

Cash Available for Payoff

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📈 If You Invest Instead

Expected Annual Return %

Investment Type

Invest the freed monthly payment too?

📉 Inflation Impact

Annual Inflation Rate %

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🏛️ Prism Verdict

Outstanding Balance

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Remaining Total Payments

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Interest You'll Pay (if keep)

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Payoff Cost (balance + penalty)

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Cash Available for Payoff

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Can You Afford Full Payoff?

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Interest Saved (full payoff now)

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Investment Gain (if invest instead)

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Net Advantage of Payoff

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Effective Loan APR

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Your Investment Return

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Compare all 3 options side by side over the remaining loan term.

Pay Off Now

Invest Cash

Partial Payoff

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Full payment schedule — click any row to see payoff savings.

Savings if you pay off at different future months.

Best Month to Payoff

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Real Value of Remaining Payments

Nominal remaining payments

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Real value (inflation-adjusted)

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Inflation "discount" on your debt

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Recent Analyses

Prism Payoff

Part of Prism Suite · Axiom Zones · getprism.app

Pay Off Now? Or Invest Instead?