Debt payoff calculator

List your debts, add any extra you can pay each month, and pick a strategy. The snowball clears the smallest balance first; the avalanche attacks the highest rate first. See how fast you get debt-free and how much interest you pay. Nothing is uploaded.

Your debts
Debt name Balance Interest rate (% per year) Minimum payment
Your plan
Strategy

Snowball: pay off the smallest balance first — quick wins keep you motivated.

—Months to debt-free
—Total interest paid
Payoff order

    Everything runs in your browser. No upload, no sign-up.

    How it works

    STEP 1

    List your debts

    Add each debt with its balance, yearly interest rate and the minimum payment you must make.

    STEP 2

    Add your extra

    Type any extra you can pay each month and choose the snowball or avalanche strategy.

    STEP 3

    See the plan

    Get the months to debt-free, the total interest you will pay and the order your debts clear. All private.