Debt Payoff Calculators
Every calculator on the site, grouped by the kind of debt. All of them are free, need no account, and run in your browser.
Multiple debts
Credit cards
Credit card payoff calculator
Your payoff date at a fixed payment, or the payment to finish by a date.
Credit card interest calculator
What your balance costs this month, per day, and until it is gone.
Credit card payment calculator
The monthly payment to clear a card in 12 to 60 months.
Credit card minimum payment calculator
How long paying only the minimum takes, and what a fixed payment saves.
Balance transfer calculator
Whether a promo rate saves more than the transfer fee costs.
Loans
Loan payoff calculator
Start from today’s balance and see what extra payments save.
Early loan payoff calculator
Start from your original loan terms and see how much sooner you can finish.
Car loan payoff calculator
Your auto loan balance today and the months an extra payment cuts.
HELOC payoff calculator
Interest-only costs next to a fixed payment that clears the line.
Mortgages
Prefer a spreadsheet? The debt payoff spreadsheet runs the same payoff math in a file you can keep.
These are all the debt payoff calculators on DebtPayoffCalc, grouped by the kind of debt. Pick the multi-debt planner if you owe on more than one account, or a single-debt tool for one card, loan or mortgage. Each one runs in your browser, needs no sign-up, and explains its math on the page.
Plan several debts together
The debt payoff calculator is the main planner. Add every debt with its balance, APR and minimum, add an extra monthly payment and lump sums, and compare snowball, avalanche, your own order and minimums only in one table. It handles promo rates, percentage-based minimums, and a goal seek that finds the extra you need to be debt-free by a chosen date. The debt snowball calculator and debt avalanche calculator are the same planner, set to smallest balance first or highest rate first.
Credit cards
For one card, the credit card payoff calculator gives your payoff date at a fixed payment, or the payment for a date you pick. The credit card payment calculator shows payments for 12 to 60 months side by side. The credit card interest calculator shows this month’s interest at the APR divided by 12 and at a daily rate, plus the interest per day. The credit card minimum payment calculator shows what paying only the minimum costs, next to the 36-month payment from your statement. The balance transfer calculator weighs a transfer fee against the interest a promo rate saves.
Loans
The loan payoff calculator starts from your current balance and payment and shows what extra payments save. The early loan payoff calculator starts from the original loan terms instead and works out your balance today. The car loan payoff calculator does the same for auto loans and covers prepayment penalties and precomputed interest. The HELOC payoff calculator compares interest-only payments with paying the line down.
Mortgages
The mortgage payoff calculator takes your original loan and payments made and shows your new payoff date with extra monthly, yearly or lump-sum payments. The mortgage extra payment calculator starts from your current balance and puts the loan with and without extra payments side by side, with a yearly balance table.
How the math works
Every calculator uses the same engine: interest at the APR divided by 12, rounded to the cent each month, and an exact final payment. The methodology page lists every rule and the test cases behind them.