🌿 Free tool
Debt Payoff Calculator
See your exact debt-free date — and how much faster you'll get there with a little extra. Snowball or avalanche, no judgment, nothing leaves your browser. 🤍
Your debts
NameBalance APR %Min/mo
Payoff method
Add your debts and hit calculate to see your debt-free date. 🌿
Want it to update itself?
The Debt Payoff Tracker does this every month — automatically.
A calm Google Sheet that recalculates your debt-free date as you pay, with a progress bar for every debt. From $9.
Questions
Good to know
Is this calculator really free?
Yes — completely free, no signup, and your numbers never leave your browser.
What's the difference between snowball and avalanche?
Snowball pays your smallest balance first (fast wins, more motivation). Avalanche pays your highest interest rate first (saves the most money). This tool shows you both.
Will my data be saved anywhere?
No. Everything runs locally in your browser — nothing is sent to a server or stored.
How is the debt-free date calculated?
It simulates each month: interest is added, minimum payments are made, and every spare dollar (your extra payment plus freed-up minimums) rolls onto your target debt until you're debt-free.