Debt payoff calculator
Debt payoff planning can involve one balance or several debts with different rates and minimum payments. This calculator starts with a portfolio workflow and also supports a single debt when that is all you need.
Private by design
Your financial values stay in this browser.
No account required
No signup, bank connection, or credit pull.
Deterministic math
The same inputs produce the same estimate.
Calculate locally
Enter each balance, APR, and required payment, then compare the dates and costs produced by explicit monthly payment rules.
Multiple debt payoff calculator
Add each balance and required payment to estimate the full portfolio payoff.
Understand the output
Results show the estimated finish date, months remaining, interest, total paid, and the month-by-month path for the selected debt plan.
Methodology and limits
Single-debt calculations use the standard monthly payoff engine. Portfolio calculations use the shared strategy engine for minimum, snowball, and avalanche plans.
Every modeled payment is capped at the amount due. Portfolio strategy payments can roll to another active debt within the same month.
Methodology reviewed August 26, 2026. Results are educational planning estimates, not financial advice or lender payoff quotes.
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