Debt Payoff Calculator
Months to pay off one debt at a fixed monthly payment, and the total interest, assuming no new charges.
- Months to pay off
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- Total interest
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- Total paid
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Monthly interest = balance × APR ÷ 12, applied before each payment. Real card interest is usually daily and fees can apply, so treat results as estimates. Not financial advice.
Your numbers stay in your browser — this page sends nothing to any server. Results are estimates for planning, not financial or tax advice.
New to this?
Read the guide: Debt Snowball vs Avalanche: Which Payoff Method Should You Use?.
Read the guide$12
Want this as a spreadsheet?
Debt Snowball & Avalanche Planner — Snowball and avalanche order, months and interest at minimum, focus debt and its payoff time, and a monthly balance log.
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