Why this site exists
Paying off debt is stressful enough without also doing the math by hand. Most people carrying multiple balances have a rough sense that they should be paying more than the minimum, and no clear picture of what that actually buys them — how many months it saves, how much interest it avoids, or which debt to attack first.
These calculators exist to turn that vague sense into specific numbers. Not advice about what you should do, just an accurate picture of what different choices actually produce, so the decision is yours to make with real figures in front of you.
What's here
Snowball vs Avalanche — enter all your debts once and see both payoff strategies run side by side, with total interest, payoff date, and the order to attack them in.
Extra Payment Calculator — the impact of adding a fixed amount each month to a single debt, compared directly against paying the minimum alone.
Debt-Free Date Calculator — the quick single-debt version. Balance, rate, payment, and the month it's gone.
Each one runs a full month-by-month amortization rather than an approximation, and each can print a plan or export the complete monthly schedule as a CSV if you'd rather work with it in a spreadsheet.
How it works, and what it assumes
Every calculation happens in your browser. Nothing you enter is sent to a server, stored, or seen by anyone — there's no account, and no requirement to give an email address to use any tool here. For something as personal as debt, that seemed like the only reasonable design.
The models assume fixed interest rates, on-time payments, and no new charges added to any balance. Real life is messier: rates change, cards get used, payments get missed. Treat the output as a well-calculated projection rather than a guarantee.
Not financial advice
These are arithmetic tools, not personalized guidance. They don't know your income, tax situation, credit profile, or circumstances, and nothing here should be read as a recommendation about what to do with your money. If you're in genuine financial difficulty, a nonprofit credit counselor can review your specific situation — many offer free initial consultations through the National Foundation for Credit Counseling.