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Whether it's a mortgage, personal loans, credit cards or all of the above, more and more people are drowning under the burden of their debt, and for those with enough income to keep their heads above water, the only logical choice may seem to be paying off their debts as quickly as possible. For example, if one of your debts is a Visa credit card, list the purchases you made with that credit card under its heading. Anything you labeled as "Credit Card Purchases" from the step above is considered bad debt.
If the purchase involves something that typically increases in value over time, then it's good debt. If the purchase involves something that typically decreases in value over time, then it's bad debt.
The purchases made with bad debt include items that go down in value over time, so you're losing money as those items depreciate in value. The purchases made with bad debt also have a high interest rate associated with them, so you're losing money by paying an interest expense. If you invest while you still have bad debt, you're taking a risk with money that could add to the losses you're already experiencing.
Being debt free allows you to invest more aggressively and be more generous with charitable giving. Find others who are enthusiastic about reducing the debts in their life, and meet with them on a regular basis.

Investments carry risk, and choosing to use your money to invest rather than pay off debts more quickly is inherently risky.
Most of those internet calculators assume your investments will go well, and don't take into account the risk involved. Examples of good debt include: your home, your college education, renovations, and fine art. The reason that you should eliminate your bad debt before you start investing is simple: you have a double expense associated with bad debt. That increase in value will offset, to some degree, the interest that you're paying for the mortgage. If you have to, liquidate some of your investments to purchase items that go down in value. Even though you're free to invest with just good debt, it's still best to get out of debt completely as soon as possible. Develop accountability partners who can help you make decisions about major purchases and walk with you through life as you climb out of debt.
Many accountants and professional advisors are available to help you come up with a plan that allows you to save for the future while also paying down current debts. The amount of risk depends on the investment, of course, so you need to consider each investment opportunity carefully.

If the investment doesn't go well, you may find yourself miserably paying off the debts while having little or nothing to show for your "savings". While it certainly feels good to be debt free, in some extremely rare situations you may be better off simply maintaining your debts (i.e.
Basically, if it's unlikely that you'll be able to sell the item for more than you paid for it, then it's considered bad debt. However, avoid incurring more bad debt with losses that will offset the gains from your investments.
Perhaps the more cautious partner will favor beginning to invest when your debt is lowered beyond a certain point. Remember also, however, that neglecting your retirement savings (even if doing so to pay off debts early) is also risky.

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