Debt Payoff Calculator

See how long it takes to become debt-free and how much interest you will pay. Enter your total debt, the weighted APR across all of it, and the monthly amount you can pay. Add an optional extra payment to see time and interest saved.

Tool Features

• Estimate months until all debt is cleared
• Show total interest across the payoff period
• Reveal savings from an extra monthly payment
• Handles mixed-rate debt via a weighted APR
• No registration or software installation

Common Usage

• Set a realistic debt-free date
• Compare "pay $400 vs $600 a month"
• See the cost of only making minimums
• Model a bonus or side income toward debt