💳 Debt Payoff Calculator

Create a strategic plan to become debt-free faster

Your Debt Information

Weighted average APR across your debts. Credit cards: 20–25%. Auto loans: 5–8%. Student loans: 4–7%.
Weighted average of all debts
Additional money you could throw at debt. Even $50/month extra dramatically cuts payoff time and interest paid.
Optional additional payment

💡 Pro Tip

The avalanche method saves more on interest, but snowball provides psychological wins by eliminating small debts first.

Your Payoff Timeline

🎯 Debt-Free Date
-
-- months from now
Total Interest Paid
$0
Cost of borrowing
Total Amount Paid
$0
Principal + Interest
Interest Saved with Extra Payments
$0
Time saved: -- months
Monthly Debt Payment
$0
Base + extra payments