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See your exact debt-free date, compare payoff strategies, and find the extra cash to accelerate your freedom.
Pay minimums on all debts, throw every extra dollar at the highest-interest debt first.
Compare both methodsPay minimums on all debts, throw every extra dollar at the smallest balance first.
Compare both methodsStudent loan holders
Model income-based repayment vs aggressive payoff and see when you're finally free.
Credit card debt fighters
Even $100 extra per month makes a shocking difference — run the numbers and see.
Auto & personal loan payers
Should you pay extra each month? See how many months you cut off and how much you save.
Debt snowball fans
Compare snowball vs avalanche and find which method works best for your situation.
Use the Debt Payoff Calculator — enter every balance, APR, and minimum payment to see your debt-free date.
Credit cards have the highest APRs. The credit card calc shows the shocking true cost of only paying minimums.
The budget calculator helps you find extra money to throw at debt every month — even small amounts matter enormously.
Track your net worth monthly. As debt falls and savings rise, this number becomes your most motivating metric.
Strategy articles to accelerate your debt freedom
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