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Free debt payoff calculators

Each one answers a single question with your own numbers — then hands those numbers to the free dashboard if you want to keep going.

FreeNo sign-upNothing leaves your deviceSame math as the dashboard

Pick a payoff plan

Debt Payoff CalculatorEvery debt, every strategy, one debt-free date.Debt Snowball CalculatorSmallest balance first, with the rollover shown month by month.Debt Avalanche CalculatorHighest rate first, including 0% promos that end.Snowball vs Avalanche CalculatorBoth methods side by side on your numbers.Which Debt to Pay Off FirstRanks the payoff orders by what they cost you.

When will I be debt-free?

Debt Free Date CalculatorThe month and year your last debt is gone.Pay Off Debt by a Date CalculatorPick a date. See the monthly amount it takes.Debt Payoff Calculator With Extra PaymentsWhat $50, $100 or $500 more a month changes.

Credit cards

Credit Card Payoff CalculatorOne card: payoff date, interest, or the payment it takes.Multiple Credit Card Payoff CalculatorSeveral cards, one plan, freed minimums rolling forward.Minimum Payment CalculatorHow long minimum payments really take.Credit Card Interest CalculatorInterest per day, per month and until it is paid off.Holiday Debt Payoff CalculatorClear the holiday balance by spring — what it takes.

0% offers and promos

Balance Transfer CalculatorFee, promo length and what is left when 0% ends.Deferred Interest Calculator"No interest if paid in full" — the payment that clears it.

Loans

Car Loan Payoff CalculatorPay off a car loan early: months and interest saved.Student Loan Payoff CalculatorSeveral loans at different rates, one payoff plan.Personal Loan Payoff CalculatorExtra or one-time payments on a fixed-rate loan.

Big money decisions

Lump Sum Debt Payment CalculatorWhere a tax refund or bonus saves the most.Debt Consolidation CalculatorCurrent debts vs one loan, fees included.Debt-to-Income Ratio CalculatorYour DTI, and how it moves as debts are paid off.

A calculator is a snapshot. Your plan keeps moving.

The free dashboard keeps your debt-free date current as you pay — and it picks up right where this page leaves off.

Open the free dashboard →

Your numbers go from this page into the dashboard on this device. Nothing is sent to a server.

Your debt-free date updates every time you log a payment
Snowball, Avalanche, your own order — plus Optimized, which finds the cheapest order
0% promo rates that switch automatically when they end
What-If slider: see what extra money does, instantly
No account, no bank login — your data stays on your device
Free with unlimited debts. Premium is a one-time $24.

Estimates for illustration. The calculations assume interest is charged monthly at APR ÷ 12, payments are made on time, and no new charges are added; your lender’s figures may differ. These pages describe what the math shows and are not financial advice.