Debt Payoff Calculator

Use this free calculator to estimate your payoff date and total interest using the debt avalanche strategy. Enter your balances, minimum payments, and APRs. Add extra payments or a one-time…

By Hadd • September 23, 2025 • Reading time: 2 min

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Use this free calculator to estimate your payoff date and total interest using the debt avalanche strategy. Enter your balances, minimum payments, and APRs. Add extra payments or a one-time lump sum to see how fast you can be debt-free.

Debt Calculator Suite

Plan smarter payoffs with simple, clean tools—designed in Bladeko’s style. Try a single-debt payoff, snowball or avalanche strategy, and a consolidation comparison.

1. Debt Payoff Calculator

See how long it takes to clear one debt with your current monthly payment.

Total Debt Amount ($)

Please enter a valid debt amount.

Annual Interest Rate (%)

Please enter a valid interest rate.

Monthly Payment ($)

Please enter a valid monthly payment.

Payoff Results

Time to Pay Off–

Total Interest Paid–

Total Amount Paid–

2. Debt Snowball Calculator

Attack the smallest balances first for quick wins—while paying minimums on the rest.

Debt 1

Debt Name

Balance ($)

Interest Rate (%)

Minimum Payment ($)

Extra Monthly Payment ($)

Snowball Results

Total Debt–

Time to Debt-Free–

Total Interest Paid–

Payoff OrderBalance

3. Debt Avalanche Calculator

Prioritize the highest APR first to minimize total interest paid.

Debt 1

Debt Name

Balance ($)

Interest Rate (%)

Minimum Payment ($)

Extra Monthly Payment ($)

Avalanche Results

Total Debt–

Time to Debt-Free–

Total Interest Paid–

Payoff OrderBalance

4. Debt Consolidation Calculator

Compare your current debts with a single consolidation loan to see potential savings.

Current Debts

Consolidation Options

Debt 1

Debt Name

Balance ($)

Interest Rate (%)

Minimum Payment ($)

Current Debt Summary

Total Debt$0

Weighted Interest Rate0%

Total Monthly Payment$0

Consolidation Loan Interest Rate (%)

Loan Term (years)

Consolidation Fee ($)

Consolidation Results

Monthly Payment–

Total Interest (Consolidated)–

Total Interest (Current)–

Potential Savings–

These tools provide estimates for education. For personal advice, consult a qualified professional.

Hadd Full Professor of Math

Prof. Dr. S. Hadd, an expert in financial mathematics, simplifies complex finance concepts, empowering readers with actionable insights for smart money management.

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About the author

Debt Payoff Calculator

Debt Calculator Suite

1. Debt Payoff Calculator

Payoff Results

2. Debt Snowball Calculator

Debt 1

Snowball Results

3. Debt Avalanche Calculator

Debt 1

Avalanche Results

4. Debt Consolidation Calculator

Debt 1

Current Debt Summary

Consolidation Results

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