CAPITAL DECISION LAB · V0.1

What should you do with $1 million?

Compare investing, debt repayment, and liquidity with the same household cash-flow budget. Enter your own assumptions. This is a scenario tool—not a return forecast or investment recommendation.

Inputs prefilled for your situation: $1 million after tax and approximately $220,000 second mortgage at 8%. The 20-year remaining loan term, tax rates, market returns and reserves are unverified editable assumptions. Existing investments and other debts are not yet included.

What changes across choices?

Results show after-tax projected incremental net worth, including remaining debt. These are deterministic illustrations, not probabilities.

Metric	Invest	Debt payoff	Half payoff	Custom

10-year comparison

Calculated at the entered horizon

Results include modeled cash interest taxes and terminal capital-gains taxes. A lender may not permit recasting after a partial principal payment.

Downside scenario

The same strategies are also tested against a negative first-year market return followed by the assumed investment growth rate.

Measure	Invest	Debt payoff	Half payoff	Custom

Important modeling assumptions and limitations

FundSpective Capital Decision Lab is a private calculation prototype. No bank accounts or investments are connected. Do not use this prototype alone to make an irreversible financial decision.