Debt Payoff Calculator
See your exact debt-free date, total interest cost, and what happens when you pay even a little extra each month.
- Instant debt-free date — month and year
- Exact total interest you'll pay
- Shows impact of extra monthly payments
- Visual balance-over-time chart
- Works for credit cards, loans, medical debt
⚠️ Not financial advice. This calculator provides educational estimates based on the inputs you enter. Consult a licensed financial professional for advice specific to your situation.
Debt Payoff Calculator
See exactly when you'll be debt-free. No sign-up needed.
Balance over time
⚠️ Results are estimates for educational purposes only — not financial advice. Actual results depend on your lender's terms, fees, and any rate changes.
How to use this calculator
Enter total debt
Add up all balances for a single debt type, or your total across all debts.
Enter your APR
Find it on your statement or account page. For multiple debts, use a weighted average.
Set your payment
Enter what you currently pay, then try increasing it to see the impact.
Add extra (optional)
Even $50–$100 extra per month can save thousands and shave years off your timeline.