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Debt payoff calculator

See when you could pay off your debts, how much interest you could pay, and what an extra payment would change.

Your debts

1 of 20
Debt 1

Enter the minimum from each statement. This estimate keeps those dollar minimums fixed and assumes no new charges or rate changes.

Repayment plan

Add a one-time payment

The total monthly budget stays fixed. Once a debt is paid, its payment moves to the remaining debts. Payments are capped at the amount owed.

Keep this calculation

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Estimated debt-free date

Enter your debts

Enter at least one outstanding balance.

Interest is estimated monthly at APR ÷ 12 and rounded to cents. Actual credit cards may accrue interest daily and change minimum payments as balances fall. Promotional rates, new charges, fees, and loan forgiveness are not modeled. Learn about the repayment approaches in the CFPB’s debt reduction guide.