DebtPayoffCalc is a set of free debt payoff calculators with no sign-up, no ads and no paid tier. It is built and run by Tim, an independent developer who builds free web tools at timmyships.com. It’s one person and one website, with no company behind it.
Not a financial advisor
I’m a developer. I’m not a financial advisor, and I don’t hold any financial license or credential. The calculators give estimates based on the rules published on the methodology page. They don’t give advice, and they don’t know the parts of your situation that matter most, like your income and your other goals.
If you want advice about your own debts, talk to a qualified professional. A nonprofit credit counselor can help you build a budget and a repayment plan. The full disclaimer says the same thing in more detail.
Why the site exists
Paying off debt comes down to arithmetic and a plan you can stick to. The tools that rank for it tend to come with strings attached: display ads around the form, the useful features behind an account, or balance transfer and loan offers sitting next to your results.
This site tries to do the whole job for free, in one place. The main debt payoff planner lets you compare snowball, avalanche, your own order and minimums only side by side. It handles 0% promo periods, minimums that shrink as your balance falls, one-time lump sums like a tax refund, and goal seek: how much extra per month you’d need to be debt-free by a date you choose.
You don’t need an account or an email address. The calculations run in your browser, so your numbers never leave your device. Share links keep your numbers after the # in the address, a part browsers don’t send to servers. The privacy page explains what the site does collect, which is ordinary page-view analytics.
How the math is tested
Every calculator on the site runs on one engine. It divides APR by 12, rounds each month’s interest to the cent, and makes the final payment exactly what’s left. The methodology page lists every rule.
The engine has unit tests built from reference payoff schedules, and each schedule was checked against other public calculators: calculator.net’s amortization and debt payoff calculators, and undebt.it. The site won’t deploy if a math test fails. Where our numbers differ from those tools by a few cents, the methodology page shows the case and explains why.
The dollar figures in the guides aren’t typed by hand either. Each one is a placeholder that the same tested engine fills in when the site is built, so a guide can’t quote a payment the calculator would disagree with. Statistics, like the average credit card APR, come from primary sources such as the Federal Reserve, and each one carries its date. They are listed on the sources page.
How the site makes money
It doesn’t. At launch there are no ads, no affiliate links and no sponsored placements. A static site costs very little to run.
If that ever changes, you’ll see a plain disclosure next to any offer, not tucked away in a footer, and no offer will be ranked by how much it pays. The site will never sell your information or pass leads to debt relief or debt settlement companies.
Contact
Found a number that looks wrong? Email info@debtpayoffcalc.com with the inputs you used and what you expected. Calculation errors go to the front of the queue. The contact page has the details.