🏦
Cash & high-yield savings
VS
💳
Debt payoff as return
Profile
Score by score
40
Time sensitivity
70
70
Rate sensitivity
92
55
Contribution leverage
85
25
Behaviour risk
40
30
Tax & fee drag
35
45
Horizon fit
65
Verdict
Debt payoff as return leads 6 of 6 scores.
Reviewed 2026-08
Cash & high-yield savings → Debt payoff as return → All match-ups