See Your Way Out of Debt.
Use our free debt payoff calculator to see when you could be debt-free, how much interest you could pay, and what happens when you put extra money toward your balances.
Free to use. No account required. No bank connection.
Build your debt payoff plan
Add your balances, APRs, and minimum payments. Then test extra payments and payoff strategies.
Your payoff plan
Debt-free date—
Time remaining—
Total interest—
Total repayment—
What could an extra payment do?
Payoff order
Your numbers. Your options.
Don't just see how much you owe. See what changing your payment could do.
Credit Card Payoff CalculatorEstimate your credit card payoff date and interest.
Debt Snowball CalculatorSee your smallest-balance-first payoff order.
Debt Avalanche CalculatorSee your highest-interest-first payoff order.
Debt-Free Date CalculatorFind an estimated debt-free date.
Extra Payment CalculatorSee what an additional monthly payment could change.
How Payoff Lab WorksRead our calculation assumptions.