Your debt pictureDebt Payoff Calculator
Add each debt to estimate when you could be debt-free and how much interest you may pay.
Your debtsBalance is required. Leave rate, payment, or payments remaining blank and we will estimate from the debt type.
How estimates work
Blank rates use these editorial planning defaults: auto 7%, mortgage 5%, HELOC/personal 10%, credit card 25%, BNPL 0%, payday 400%, and other 15%. They are deliberately visible fallback assumptions, not claims about current market averages. Enter the rate and required payment from each statement for a result that reflects your debts.
The avalanche method directs extra money to the highest annual percentage rate and generally minimizes interest. The snowball method directs it to the smallest balance and may create earlier account-level wins. Both methods maintain required payments on every other active debt.
BNPL defaults to four biweekly payments; payday defaults to one biweekly payment. Payday and BNPL receive extra payments before ordinary debts because missed-payment fees, rollover costs, or deferred charges can be especially costly. Other blank payments use the selected payment count when supplied or the standard debt-type term.
Should you invest while paying off debt? Compare the guaranteed interest cost with the benefit of investing, including any employer match.