Debt & Loans Calculators

Snowball or avalanche, what the minimum really costs, and exactly when you'll be debt-free — answer-first, no signup required.

Debt payoff calculator

Enter every balance, rate, and minimum payment — see the exact month-by-month schedule under snowball or avalanche.

Smallest balance first — the momentum-and-motivation method.

Highest interest rate first — the mathematically optimal method.

See your real baseline with current debts before taking out a consolidation loan.

How fast a card clears and what it costs, at any budget above the minimum.

What paying only the minimum really costs — in months and in interest.

Both methods run side by side on your own debts — see which wins and by how much.

The actual calendar month your last balance hits zero.

A direct answer keyed to your balances, rates, and monthly budget.

Minimum-only versus a real fixed payment, compared directly.

The exact timeline and interest cost for a $5,000 balance at various budgets.

The exact timeline and interest cost for a $10,000 balance at various budgets.