Debt Payoff Calculator

Compare avalanche vs snowball, see your debt-free date, and find out exactly how much interest you’ll save by adding extra payments.

Build your plan

Edit your debts below — the chart updates instantly.

Your debts

What about my mortgage?

Mortgages are intentionally excluded from this calculator. They're long-term, low-interest, and tax-advantaged — usually better to keep paying as scheduled and direct extra cash toward higher-rate consumer debt (or invest it). If you want to model paying yours off aggressively, add it manually with the + Add debt button, or use the dedicated Mortgage Analyzer instead.

Your plan

Plan around…

Minimum payments total

Sum of minimums above

Extra payment

Total monthly toward debt

Minimums + extra

Strategy

Directing your extra — to —

Your payoff plan

Debt-free by

—

Total interest

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Total paid

—

Interest saved vs minimums

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Per-debt progress & payoff order

Avalanche vs Snowball

Avalanche payoff

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Interest: —

Snowball payoff

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Interest: —

Strategy interest delta

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How much more interest the slower strategy costs.

Elimination timeline

Amortization snapshot

Showing every 3rd month

Month	Date	Remaining	Interest paid

Tools that pair well with this plan

High-yield savings for your found-money buffer
0% balance transfer cards for high-APR credit card debt
Debt consolidation lenders for lower fixed rates

Keep going

Net Worth

Assets vs liabilities, liquid/illiquid split, snapshot comparisons over time.

Track quarterly

Emergency Fund

Right-sized buffer, gap-to-goal, monthly target, clear risk indicator.

Sleep-better math