Debt Payoff Calculator

This calculator simulates monthly payments on all your debts until they are paid off. Your total monthly budget is the sum of all minimum payments plus your extra payment. When a debt is paid off, its minimum payment rolls into the next priority debt.

Avalanche method: Extra money goes to the debt with the highest APR first. This minimizes total interest paid.

Snowball method: Extra money goes to the debt with the smallest balance first. This gives quicker wins to build momentum.

All math runs locally in your browser — nothing is sent to a server.