Debt payoff calculator

See your debt payoff path in seconds.

Enter your balance, APR, monthly payment, and extra payment to estimate payoff time, interest paid, interest saved, and months saved.

Your numbers

This calculator provides an estimate only and is not financial advice. Actual payoff dates can vary based on lender terms, fees, payment timing, and compounding.

Result

Change any number and the result updates.

Easy to scan

The most important answer appears beside or below your inputs, so you do not have to hunt for the result.

Extra payment example

Try adding $25, $50, or $100 to see how small monthly changes may affect interest and payoff time.

Use realistic numbers

If your payment is too low to beat monthly interest, the calculator will tell you to try a higher payment.

FAQ

What does interest saved mean?

Interest saved compares your regular payment with your payment plus the extra monthly amount.

Does this replace my lender payoff quote?

No. Use this as an estimate. Your lender can provide the official payoff amount and terms.