Planning tool
Debt payoff planner
See how to clear a debt — and what even a little extra each month can do.
The debt payoff planner shows when a debt is cleared at the payment you can make, what it costs in interest, and what paying a little more changes.
Nothing you enter here is stored.
Your numbers
What kind of debt?
What you still owe today.
US DollarThe yearly rate on your statement.
A typical credit-card rate — set the real one from your statement.
Be realistic — what's left after rent, food, and essentials.
US DollarA start above the card's estimated $100.00 minimum — the minimum alone barely moves the balance.
Paying $145.00 a month
- This debt cleared in
- 4 yr 8 mo
- Interest you'll pay
- $3K
- Total you'll pay back
- $8K
Built on an estimated rate and a suggested payment — edit your numbers to make these figures yours.
Your balance over time
- Your plan
- Minimum only
| Month | Your plan | Minimum only |
|---|---|---|
| Month 0 | $5K | $5K |
| Month 2 | $4.9K | $5K |
| Month 4 | $4.8K | $5K |
| Month 6 | $4.7K | $4.9K |
| Month 8 | $4.5K | $4.9K |
| Month 10 | $4.4K | $4.9K |
| Month 12 | $4.3K | $4.9K |
| Month 14 | $4.2K | $4.9K |
| Month 16 | $4K | $4.8K |
| Month 18 | $3.9K | $4.8K |
| Month 20 | $3.7K | $4.8K |
| Month 22 | $3.6K | $4.8K |
| Month 24 | $3.4K | $4.8K |
| Month 26 | $3.2K | $4.7K |
| Month 28 | $3.1K | $4.7K |
| Month 30 | $2.9K | $4.7K |
| Month 32 | $2.7K | $4.6K |
| Month 34 | $2.5K | $4.6K |
| Month 36 | $2.3K | $4.6K |
| Month 38 | $2.1K | $4.5K |
| Month 40 | $1.9K | $4.5K |
| Month 42 | $1.7K | $4.5K |
| Month 44 | $1.4K | $4.4K |
| Month 46 | $1.2K | $4.4K |
| Month 48 | $951 | $4.4K |
| Month 50 | $694 | $4.3K |
| Month 52 | $427 | $4.3K |
| Month 54 | $150 | $4.2K |
| Month 56 | $0 | $4.2K |
What a little more does
Adding even a small amount each month can pull your debt-free date years closer.
| Add each month | Debt-free in | Interest saved |
|---|---|---|
| +$10 | 4 yr 2 mo6 months sooner | $347 |
| +$20 | 3 yr 9 mo11 months sooner | $618 |
| +$40 | 3 yr 2 mo18 months sooner | $1K |
Estimates only, based on the figures shown. Rates and payments start as estimates from the kind of debt until you change them, and minimum payments are approximated. This isn't financial advice.
Bring it all into one place.
Every currency you use and everyone in your household, in one place that's yours.
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