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Debt payoff 12
Your debt-free date, snowball vs avalanche, credit cards, student loans, car loans and extra mortgage payments.
Most used
1Debt-free dateAdd your total debt, average interest rate and monthly payment to find your debt-free date, and see how extra payments bring it closer.Open calculator →2Snowball vs avalancheEnter up to four debts and an extra monthly payment to compare the snowball and avalanche methods: total interest, debt-free date and payoff order.Open calculator →3Credit card payoffSee how long it takes to pay off a credit card at a fixed monthly payment, how much interest you pay, or the payment needed to be debt-free by a date.Open calculator →
Credit cards
Minimum payment trapSee how long it takes and how much interest you pay if you only make the minimum payment on a credit card, compared with a fixed payment.Balance transferFind out how much a 0% balance transfer card saves after the transfer fee, and the monthly payment needed to clear the debt before the promo ends.Buy now, pay laterWork out the true cost of a buy now, pay later plan, including late fees and interest-bearing plans, compared with paying up front.Debt consolidationCompare your current debts with a single consolidation loan to see the difference in monthly payment, total interest and payoff time.
Loans
Loan paymentCalculate the monthly payment, total interest and payoff schedule for any fixed-rate loan, or how much you can borrow for a payment you can afford.Student loan payoffSee your student loan payoff date and total interest, and how much time and money extra payments save.Car loan payoffFind your car loan payment, total interest and how much paying extra each month saves.Mortgage extra paymentsSee how extra monthly or yearly payments shorten your mortgage and how much interest they save, plus your new payoff date.
Where you stand
Guides
All guides →How Long to Pay Off $5,000 on a Credit Card With Minimum PaymentsWhat happens when you pay only the minimum on a $5,000 credit card balance, how much interest it costs, and how much faster a fixed payment gets you out.Debt Snowball vs Avalanche: Which Saves More?How the debt snowball and debt avalanche methods work, a worked example with real numbers, and how to choose the one you will stick with.The True Yearly Cost of Owning a CarAAA puts the cost of owning a new car at about $12,900 a year in 2026. Here is where the money goes, how to work out your own figure and how to lower it.