Free Debt Payoff Calculators
13 calculators covering credit cards, student loans, auto loans, mortgages and home equity lines. Every one runs in the browser — no account, no email, and none of the numbers you type are sent anywhere.
Plan a whole debt payoff
Start here if you are juggling more than one balance and want a single order of attack.
Debt Payoff Planner
Enter every debt at once and get a month-by-month schedule under either strategy.
Debt Snowball Calculator
Pay the smallest balance first. Shows the payoff date and total interest for the momentum method.
Debt Avalanche Calculator
Pay the highest interest rate first. Shows how much interest the mathematically optimal order saves.
Extra Payment Calculator
See what an extra $25, $100 or $500 a month takes off the payoff date and the interest bill.
One loan or card at a time
Single-balance calculators for the most common kinds of consumer debt.
Credit Card Payoff Calculator
How long a card takes to clear at a given payment, and what it costs in interest.
Minimum Payment Calculator
Shows the years and interest that paying only the minimum actually costs on a revolving balance.
Student Loan Payoff Calculator
Repayment timeline and interest for federal or private student loans.
Auto Loan Payoff Calculator
Car loan payoff date, remaining interest, and the effect of paying ahead.
Personal Loan Payoff Calculator
Payoff date and total interest on a fixed-term personal loan.
Mortgage Payoff Calculator
What extra principal each month does to a 15- or 30-year mortgage.
HELOC Payoff Calculator
Draw and repayment phases on a home equity line of credit.
Check where you stand
Ratios and comparisons for deciding what to do before you commit to a plan.
Using these in a classroom or a library guide
These pages are free to link to and free to use. There is no signup wall, no paywall, and no advertising on any calculator. Nothing you enter is transmitted or stored — the arithmetic runs entirely in your own browser, which is what makes them safe to hand to students or clients working with real balances.
If you maintain a financial-literacy resource page, the stable URL to link is debtclear.app/calculators. DebtClear is built by Bity LLC; the free Android app is optional and none of the calculators require it.
DebtClear App
Track your payoff plan in the DebtClear app
Free on Android — iOS coming soon