Your Debts
Debt #1
$
%
$
$
Any extra above minimums accelerates your payoff.
🎯
Enter your debts to see your date
Fill in each debt's balance, APR, and minimum payment. Click calculate to see your exact debt-free date.
$4,500
Your total debt
1
Debt added
🔐
Nothing leaves your device
All math runs in your browser. We only store what you share via email capture.
⚡
Instant comparison
See snowball vs avalanche side by side — and the exact dollar difference.
📊
Month-by-month plan
Know exactly what to pay on which debt, every month, until you're free.
42 specialized debt tools
Pick the one that matches your exact question.
⚖️
Snowball vs Avalanche
Compare the two most popular debt payoff strategies side by side.
💳
Credit Card Payoff
See how long it takes to pay off a single credit card — and the cost.
🎓
Student Loan Payoff
Model standard vs extra-payment payoff on federal or private loans.
🏠
Mortgage Early Payoff
See how a little extra principal each month shaves years off a mortgage.
🧮
Debt Consolidation
Compare your current debts vs a single consolidation loan.
📉
Debt-to-Income Ratio
Calculate your DTI — lenders' favorite number — and what it means.
🔁
Balance Transfer
Is the transfer fee worth the 0% promo APR? Run the numbers.
⚠️
Minimum Payment Trap
See exactly how expensive paying only the minimum really is.
💼
Debt-Free By Income
How much debt can you clear at your income level — and how fast?
🛟
Emergency Fund + Debt
Split extra cash between saving and debt payoff the smart way.
📋
Debt Tracker
Track every debt, balance, and payoff milestone in one place.
🚗
Car Loan Payoff
Model extra auto-loan payments and total interest saved.
🏥
Medical Debt
Negotiate, plan, and pay off medical debt without wrecking credit.
📊
Personal Loan Compare
Compare up to three personal loan offers side by side.
⚖️
Debt Collection Limits
State statute of limitations on debt collection — know your rights.
💎
Net Worth (With Debt)
Assets minus liabilities — your real financial starting line.
🏔️
Avalanche Savings
Exactly how much interest you save by going highest-APR first.
🎯
Payoff Priority
Tell us your debts — we rank which to attack first and why.
⏳
Debt Countdown
A live countdown to your exact debt-free date.
🆘
Hardship Payment Plan
Build a payment plan you can actually afford during financial hardship.
📈
Debt Payoff Credit Score Impact
Estimate how much your credit score will rise as debts are paid down.
🤝
Debt Settlement vs Payoff
Compare settling for less versus paying in full — true cost and credit impact.
🛑
Bankruptcy Alternative Planner
Model DMP, settlement, and payoff before considering bankruptcy.
🏛️
IRS Payment Plan Calculator
Monthly payment and total cost for IRS installment agreements.
🚨
Payday Loan Escape
APR-adjusted payoff plan to stop rolling over payday loans.
🏦
401(k) Loan Payoff
True cost of a 401(k) loan including lost growth and early exit risk.
⚠️
Cosigner Risk Calculator
Dollar exposure and credit risk when cosigning someone else's debt.
📞
Collections Settlement Negotiation
Ideal starting offer and ceiling when negotiating with collectors.
✂️
Wage Garnishment Impact
Calculate take-home pay reduction from a wage garnishment order.
❄️
Debt Snowflake Planner
Apply small windfalls (gifts, rebates) directly to debt for big savings.
🚫
No-Spend Challenge Debt Impact
How much a 30/60/90-day no-spend challenge shaves off your debt-free date.
💼
Side Hustle to Debt-Free
How fast a side hustle gets you debt-free when 100% goes to debt.
📊
Debt to Salary Ratio
Total debt vs annual salary — quick solvency check for lenders.
🕰️
Interest Paid To Date
How much interest you've already paid on a debt since origination.
💳
Credit Utilization Optimizer
Target balance per card to hit optimal credit utilization ratios.
🎁
Debt Gift Payoff
Calculate impact and tax treatment if a family member pays off your debt.
🚀
Raise to Debt-Free Date
How a pay raise accelerates your payoff if applied to debt.
🎉
Post-Debt-Free Monthly Freedom
Monthly cash flow freed when your last debt is paid.
💰
Budget Surplus to Debt-Free
Turn your monthly budget surplus into a concrete debt-free date.
🧠
Debt Personality Quiz
8 questions to match you with the exact payoff strategy your brain will stick with.
🩺
Debt Stress Assessment
A 10-item quiz scoring your current debt-related stress — and the next move.
📋
Debt-Free Checklist
The 30-step checklist that covers every debt payoff phase — prep, attack, finish.
Ready to tackle your debt?
Compare offers from top lenders who can help you consolidate high-interest debt into a single lower-rate payment.
[Affiliate Partner]
Personal loan rates from 5.99%
[Affiliate Partner]
Compare multiple lenders at once
[Affiliate Partner]
Balance transfer cards
More Free Financial Tools
Popular calculators from the Hub
Hand-picked favorites — free, no signup, runs in your browser.
★ Most Popular
💳
Debt
Credit Card Payoff
See your exact debt-free date and total interest paid on a single card.
Open tool→
★ Most Popular
🏠
Home
Home Affordability
How much house can you actually afford — DTI-based, lender-accurate.
Open tool→
★ Most Popular
🔥
FIRE
FIRE Calculator
Your financial independence number and years to retirement.
Open tool→
📈
Investing
Compound Interest
Turn monthly contributions into decades of visualized growth.
Open tool→
🎯
Savings
Savings Goal
Tell us the target and the date. We tell you the monthly number.
Open tool→
💵
Paycheck
Paycheck Calculator
Gross to net with federal brackets, FICA, state, and 401(k).
Open tool→