Pay off your debt faster — and see exactly when you'll be free
Free debt payoff calculator. Compare the snowball and avalanche methods, find your debt-free date, and see how much interest an extra payment saves. 100% private — nothing leaves your browser.
Your debts
Add each balance, its APR, and the monthly minimum (or let us estimate it). Everything is calculated in your browser — your numbers never leave your device.
The single biggest lever on your payoff date.
Avalanche: highest APR first — least interest paid.
Throwing a tax refund or bonus at your debt? Add it here to see how much faster it gets you to $0.
Your payoff plan
Snowball vs. avalanche, side by side
Same debts, same budget. Pick the one you'll actually stick with — tap a card to see its full schedule below.
Payoff order
- 1Store card— paid off in 6 months (2026-12)
- 2Visa— paid off in 1 year, 8 months (2028-02)
- 3Personal loan— paid off in 2 years, 6 months (2028-12)
What if you paid a little more?
Save $361 and finish 2 months sooner.
Save $659 and finish 4 months sooner.
Save $1,312 and finish 9 months sooner.
Month-by-month schedule
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $729.00 | $277.98 | $17,049 |
| 2 | $729.00 | $268.89 | $16,589 |
| 3 | $729.00 | $259.60 | $16,119 |
| 4 | $729.00 | $250.12 | $15,641 |
| 5 | $729.00 | $240.43 | $15,152 |
| 6 | $729.00 | $230.53 | $14,654 |
| 7 | $729.00 | $220.88 | $14,145 |
| 8 | $729.00 | $211.46 | $13,628 |
| 9 | $729.00 | $201.85 | $13,101 |
| 10 | $729.00 | $192.06 | $12,564 |
| 11 | $729.00 | $182.08 | $12,017 |
| 12 | $729.00 | $171.90 | $11,460 |
Totals: you'll pay $21,594 over the life of the plan, including $4,094 in interest. Estimates only — actual minimums and interest vary by lender. See our methodology.
Why use DebtBloom
Most debt calculators are buried in ads, demand a signup, or only do one method. DebtBloom is the fast, private, honest tool we wished existed.
100% private
Every calculation runs in your browser. Your balances and APRs never touch a server.
No signup, no paywall
The full tool — every strategy, the whole schedule — is free. No account, no watermark, no email wall.
Snowball and avalanche, side by side
Compare both payoff orders on your own debts and see the real interest difference instantly.
Instant recalculation
Drag a slider or edit a balance and the payoff date, interest, and schedule update with no page reload.
Download your plan
Export a branded PDF, a CSV of the full schedule, or add your payoff milestones to your calendar.
Built for mobile and screen readers
Fast, responsive, keyboard-navigable, and designed to meet WCAG accessibility guidelines.
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Pay off a specific amount
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Frequently asked questions
- Is the debt payoff calculator really free?
- Yes. No signup, no paywall, no watermark. The calculation runs entirely in your browser, so your balances never leave your device.
- Which is better, the snowball or avalanche method?
- Avalanche (highest APR first) always costs the least interest. Snowball (smallest balance first) clears individual debts faster, which many people find more motivating. The calculator shows both so you can decide.
- How accurate is the payoff date?
- It uses standard monthly amortization with your APRs and a fixed minimum payment per debt. Real lenders may recalculate minimums as balances fall, so treat results as a close estimate. See our methodology page.
- What if my minimum payment is lower than the interest?
- Then the balance grows and the debt never gets paid — the "minimum payment trap." The calculator flags this so you know to increase your payment or look at other options.