All Calculators
19 free debt calculators
Every calculator below runs in your browser — nothing leaves your device. Pick the one that matches your question, or start with the full debt payoff calculator.
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Snowball vs Avalanche
Compare the two most popular debt payoff strategies side by side.
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Credit Card Payoff
See how long it takes to pay off a single credit card — and the cost.
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Student Loan Payoff
Model standard vs extra-payment payoff on federal or private loans.
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Mortgage Early Payoff
See how a little extra principal each month shaves years off a mortgage.
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Debt Consolidation
Compare your current debts vs a single consolidation loan.
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Debt-to-Income Ratio
Calculate your DTI — lenders' favorite number — and what it means.
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Balance Transfer
Is the transfer fee worth the 0% promo APR? Run the numbers.
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Minimum Payment Trap
See exactly how expensive paying only the minimum really is.
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Debt-Free By Income
How much debt can you clear at your income level — and how fast?
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Emergency Fund + Debt
Split extra cash between saving and debt payoff the smart way.
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Debt Tracker
Track every debt, balance, and payoff milestone in one place.
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Car Loan Payoff
Model extra auto-loan payments and total interest saved.
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Medical Debt
Negotiate, plan, and pay off medical debt without wrecking credit.
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Personal Loan Compare
Compare up to three personal loan offers side by side.
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Debt Collection Limits
State statute of limitations on debt collection — know your rights.
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Net Worth (With Debt)
Assets minus liabilities — your real financial starting line.
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Avalanche Savings
Exactly how much interest you save by going highest-APR first.
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Payoff Priority
Tell us your debts — we rank which to attack first and why.
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Debt Countdown
A live countdown to your exact debt-free date.