Free Tools

Debt Payoff Calculator

Build a step-by-step plan to knock out your debts using the snowball method, then download it as a PDF. Everything runs in your browser — nothing you type is sent or stored anywhere except on your own device.

Your Debts Smallest balance gets attacked first

The snowball method: pay the minimum on everything, then throw every spare dollar at your smallest balance. When it dies, its payment rolls into the next one — the snowball grows. It's not the mathematically cheapest method, but it's the one people actually stick with, because quick wins change behavior.

Debt nameBalance owedAPRMin. payment

Pick one — how do you want to plan it?

I know what I can pay monthlyTotal amount you can put toward ALL debts each month I want to be debt-free by a deadlineWe'll calculate the monthly payment you need months

Debt-free in—

Debt-free date—

Monthly payment—

Total interest paid—

Order	Debt	Balance	APR	Paid off	Interest paid

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