Debt payoff calculator
Add your debts, pick a strategy, and see exactly when you will be debt-free.
1How do you want to pay it off?
AvalancheHighest interest rate first. Saves the most money overall.
SnowballSmallest balance first. Fastest early wins to keep you motivated.
2What do you owe?
Loading your calculator…
Minimum payments total$0
Total monthly payment$0
3One-time extra payments (optional)
Got a tax refund or bonus coming? Add it here and it’ll go straight toward your payoff plan that month.
You’ll be debt-free by
—
Total interest paid
—
Total months
—
Compared to minimum payments only
Total payment breakdown
Your payoff order
Results are estimates based on the numbers you entered and assume consistent on-time payments. Always verify against your actual statements, or with a financial professional.
See your debt payoff plan in action
KNOWING YOUR
NUMBER IS THE
easy part.
The real work is creating a system that fits your actual life and helps you reach every goal you have.
Your payoff date is one piece of the plan. Let’s build the monthly system that gets you there.
only $7
A real
monthly budget
monthly budget
See exactly where every payment fits.
Goals +
savings tracker
savings tracker
Because debt payoff isn’t your only goal.
A simple
setup guide
setup guide
Get it all set up in one sitting, no guesswork.
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I’ve tried other budget templates before and always gave up after a week. This one actually stuck. It’s simple enough that I open it every Sunday without dreading it.
Built from the exact system I use myself.