Free debt payoff calculators
Four calculators for the questions people actually ask about paying off debt: how long it takes, what it costs in interest, and whether the order you pay in makes a difference. No account, no email, no numbers leaving your browser.
- Debt Snowball CalculatorOrder your debts smallest balance first, roll each cleared payment into the next, and see the date the last one is gone.
- Debt Avalanche CalculatorOrder your debts by interest rate, target the most expensive one first, and see the total interest that ordering produces.
- Snowball vs. AvalancheOne set of debts, both orderings, no verdict — compare payoff date, total interest, and how soon the first debt disappears.
- Debt-Free Date CalculatorThe simplest of the four. Enter what you owe and what you pay, and get a single date back.
How these work
All four run the same simulation: each debt accrues interest monthly at the APR you enter divided by twelve, every debt receives its minimum payment, and anything left in your monthly total is aimed at one debt — which one is what separates the methods. When a debt is cleared, the money it was absorbing moves to the next one, while your monthly total stays the same.
Enter your debts in any one of them and they carry across to the others for as long as the browser tab is open, so you can compare methods without retyping. Nothing is stored on a server — the calculations happen on your device.
These calculators are educational tools, not financial advice. Results are estimates based on the numbers you enter and assume payments are made on time and no new debt is added. See our Terms of Use.
Save this plan and track real progress
This calculator forgets everything when you close the tab. DebtWise keeps your plan, updates it as balances change, and shows what each extra payment does to your date — for $19 once, not a subscription.
Get DebtWise for $19One-time purchase · No subscription · The calculators above stay free.