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.

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