Debt Payoff Calculator
Build a complete plan to become debt-free.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Add all debts
Balance, APR and minimum payment each.
Set your monthly budget
Total you can pay toward debt.
Read the plan
Payoff dates, debt-free date and interest.
What Is a Debt Payoff Calculator?
A debt payoff calculator plans the full repayment of all your debts — credit cards, loans, anything with a balance. Given your monthly budget for debt, it finds the optimal order (avalanche: highest APR first) and shows exactly when each debt is cleared and when you are debt-free.
It also shows the total interest you would pay under the plan, so you can see the cost of carrying each balance.
The Method
Your total monthly budget is applied across minimums first, with the remainder attacking the highest-APR debt. Paid-off debts' minimums roll into the next target — the standard avalanche plan.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
What is the best order to pay off debt?
The avalanche (highest APR first) minimises interest. The snowball (smallest balance first) maximises motivation. Choose the one you will stick to.
How long will it take to become debt-free?
The calculator simulates your plan and shows the debt-free date.
How much interest will I pay?
The calculator totals the interest across all debts under your plan.
What if my budget is less than the minimums?
The simulation flags it — minimums must be covered first, otherwise the plan needs a higher budget or restructuring.
Should I consolidate instead?
See the debt consolidation calculator to compare a single loan against your current plan.