Debt payoff calculator.
Compare debt snowball vs debt avalanche, see your payoff date, and estimate how much interest extra monthly payments could save.
Core idea: pay minimums on every debt, then throw extra cash at one target debt until it is gone.
| Debt | Balance | APR | Minimum |
|---|
What this calculator assumes
Fixed paymentsIt assumes your entered minimum payments stay fixed and paid-off minimums roll into the next debt.
Monthly interestAPR is converted into a monthly interest estimate. Real card interest can vary by issuer and billing cycle.
Estimate onlyThis is a planning tool, not financial, legal, tax, credit, or debt-management advice.