Free tool

Debt Payoff Planner

Enter your balance, APR, monthly payment, and minimum payment to see how much faster you pay off debt and how much interest you save.

Your numbers

Updates instantly as you type. Nothing leaves your browser.

Your personalized analysis

Months to payoff

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Months saved vs minimum

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Interest saved

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Total interest

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Allocation and comparisons at a glance.

How accurate is the debt payoff timeline?

It models fixed monthly payments and APR compounding. Actual timelines vary if rates change or you add new charges.

Does this work for credit cards and loans?

Yes. Enter balance, APR, and planned monthly payment for any amortizing debt.

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