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Debt Payoff Planner Calculator Online Tool

100% free online debt payoff calculator. Add your debts. Choose your strategy. Crush your balance.

Your Debts

Total Debt: $0 Total Min: $0

Payoff Strategy

$

Amount you can pay *above* the minimums.

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Build Your Plan

Input your debts to see exactly when you will be debt-free using math-backed strategies.

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Choose Your Weapon

Which strategy is right for you?

Debt Snowball

How it works: Pay minimums on everything, but attack the smallest balance debt with fury. Once it's gone, roll that payment into the next smallest.

Best for: Motivation. Seeing debts disappear quickly keeps you going.

Debt Avalanche

How it works: Attack the debt with the highest interest rate first, regardless of balance. This is mathematically superior.

Best for: Savings. You will pay less total interest over time.

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