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Debt Payoff Calculators
Find your debt-free date, compare payoff strategies, and see the true total cost of any loan.
Choose a Calculator
All debt tools are free and work on any device.
Credit Card Payoff Calculator
See exactly when you’ll be debt-free and how much interest you’ll pay. Compare minimum payments vs. a fixed higher payment side by side.
Debt Snowball Calculator
Enter all your debts and get a complete payoff plan using the snowball (smallest first) or avalanche (highest rate first) strategy — compared side by side.
Car Loan Calculator
Calculate your monthly car payment and total loan cost. Includes trade-in value, sales tax, and an amortization table showing principal vs. interest.
The True Cost of Debt
Debt isn’t just a monthly payment — it’s a long-term tax on your income. A $5,000 credit card balance at 22% APR with minimum payments costs over $6,200 in interest and takes 16+ years to pay off. A $35,000 car loan at 8% for 72 months costs $8,400 in interest — 24% on top of the purchase price. Seeing the total cost of debt, not just the monthly payment, is the first step toward eliminating it.
The fastest path out of debt is combining a clear payoff strategy with extra payments. Even an extra $50–$100/month above your minimums can cut years off your debt-free date. Use the Debt Snowball Calculator to build your personalized payoff plan across all debts simultaneously, and the Credit Card Payoff Calculator to model individual card scenarios and balance transfer savings.