Minimum Plan
Each active debt receives only its stated minimum. The shared extra payment and released payments are not applied.
A clear finish line for your debt
Know exactly when your debt reaches $0.
Turn one balance or a full debt portfolio into a specific payoff date. Then compare what each payment strategy changes.
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- Monthly model
- Interest is estimated once per month.
- Cents precision
- Each monthly charge is rounded to cents.
Free debt payoff calculator
See your payoff date
Add one debt and your current payment plan. All calculations stay in this browser.
Methodology and assumptions
How this estimate works
The calculator divides your APR by 12 and applies that monthly rate to the opening balance. Interest, principal, and payments are rounded to the nearest cent each month.
The first payment is modeled one calendar month from today. Final payments are capped at the remaining amount due. Extra money is redirected within the same month when a target reaches zero.
Debt Snowball
The smallest current balance receives available extra money while other debts keep their minimum payments.
Debt Avalanche
The highest APR receives available extra money while other debts keep their minimum payments.
Snowball balance ties and avalanche APR ties use the original debt entry order. Strategy budgets equal starting minimum payments plus the shared extra payment.
This is an educational estimate, not financial advice or a lender payoff quote. Actual interest can differ because of daily accrual, fees, payment timing, rate changes, or lender rules.