Primary Inputs

Total Monthly Budget ($)

Your total monthly budget for all debt payments and investments.

Time Horizon

How long you want to run the simulation for.

Repayment Strategy

Priority: Highest interest rate first. Mathematically optimal to minimize total interest paid.

Additional Contribution ($)

Automatically allocates your remaining budget towards the debt strategy.

My Debts

Debt Name

Balance ($)

The current amount you owe on this debt.

APR (%)

The Annual Percentage Rate for this debt.

Minimum Contrib ($)

The minimum monthly payment required for this debt.

Compounding

How often interest is calculated and added to the balance.

Investments

Asset Name

Initial Balance ($)

The starting amount in this investment account.

Exp. Return (%)

The expected annual rate of return for this asset.

Monthly Contrib ($)

The amount you plan to contribute to this asset every month.

Compounding

How often interest is calculated and added to the balance.

XEQT vs. Debt: Where Should Your Next Dollar Go?

Name: Wealth Trajectory
Author: Wealth Trajectory

Deciding between the guaranteed return of debt repayment and the historical 7-10% return of equity markets (like XEQT or VGRO) is the cornerstone of Canadian financial planning. Visualize the trajectory of both paths here.

Wealth Trajectory

Analyzing with Avalanche.

Net Worth

Total Assets

Total Debt

Contributions

Enter Data to Begin Analysis

Create Your Own Trajectory

Frequently Asked Questions

What is a 'safe' return to assume for XEQT?

While markets fluctuate, a long-term average of 6-8% is a common conservative estimate for a globally diversified all-equity portfolio like XEQT after inflation.