Debt Payoff Calculator

1) Your Debts
Enter each balance, APR (% per year), and minimum payment. Add as many as you need.
2) Your Plan
Total Monthly Budget (minimums + extra)
$0
As each debt is paid off, its minimum payment rolls into the next one automatically.
Debt-Free In
—
Estimated Debt-Free Date
—
Total Interest (with plan)
$0
Total Interest (minimums only)
$0
Interest Saved
$0
Payoff Order
—
Total Balance Zero Line
Monthly Projection (first 36 months)
Month
Payment
Interest
Principal
Remaining
Full schedule (all months, all debts) included in CSV export.
Notes & Tips
  • Avalanche saves the most interest (highest APR first).
  • Snowball may feel more motivating (quick wins: smallest balances first).
  • “Promo APR” lets you model a 0% intro/balance transfer—interest uses the promo rate for the chosen number of months.
  • Educational tool—this isn’t financial or legal advice.