Debt Calculators to Help You Get Out of Debt Faster
Dealing with debt can feel overwhelming. These free calculators help you understand your options, build a realistic plan, and see exactly when you could be debt-free.
For educational purposes only. Not financial advice.
Not Sure Where to Start?
Take our quick guide to find the right debt payoff strategy for your situation. Compare methods, see real examples, and pick the approach that fits your goals.
Before You Calculate
Quick Comparison: Snowball vs Avalanche
- Snowball:Pay smallest debts first. Best for motivation and quick wins.
- Avalanche:Pay highest interest first. Best for saving money.
Not sure which is right for you? Our guide breaks down both methods with real examples and helps you decide.
Read the complete guide →Debt Balance Over Time
Example: $15,000 paid off in 30 months
Choose Your Debt Strategy
Two proven methods for paying off multiple debts. Pick the one that fits your personality and goals.
Plan Your Payoff
See exactly when you'll be debt-free and how much interest you'll pay along the way.
Reduce Interest & Save
Understand how much interest you're really paying and find ways to reduce it.
Debt-Free? Here's What Comes Next
You worked hard to pay off your debt. Now redirect those payments into building wealth. Start with an emergency fund, then let compound growth do the heavy lifting.
Build Your Safety Net
Emergency Fund Calculator
Before investing, make sure you have 3-6 months of expenses saved for the unexpected.
Invest Your Old Payment
Debt-to-Investment Calculator
See how your freed-up debt payments could grow over 10, 20, or 30 years of investing.
Grow Your Portfolio
Portfolio Growth Calculator
Model long-term compound growth and see how consistent contributions add up over time.