Debt Payoff Calculator

All tools

Plan your debt-free date with the snowball or avalanche method. Add each debt, set an extra payment and see total interest, payoff order and date. Free.

Debt Balance APR Min. payment
$
Snowball pays smallest balances first; avalanche targets the highest APR.
You'll be debt-free in –
Total interest –
Total paid –
Payoff date –
Minimum payments don't cover the monthly interest on at least one debt — the balance will keep growing. Increase a minimum or the extra payment.
Payoff order
  1. –
Interest is compounded monthly on each balance. Minimum payments stay fixed; freed minimums roll into the next target debt along with your extra payment.
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