Debt payoff calculator 💳

How long until you're debt-free — and how much interest will it cost? See what an extra payment saves. Free, no signup.

Debt-free in
Total interest
Total paid
With extra payment: debt-free in
Interest saved

Paying off debt — FAQ

Snowball vs avalanche

Avalanche (highest APR first) saves the most interest; snowball (smallest balance first) builds momentum. Both beat minimum payments.