Debt Payoff Calculator
Compare avalanche vs snowball methods and project debt-free date.
See how it works
Watch a quick simulation of this tool in action — no file needed.
How to use Debt Payoff Calculator
Follow these steps — everything happens instantly in your browser.
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Step 1. List debts one per line: name, balance, rate %, minimum payment.
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Step 2. Choose avalanche (highest rate first) or snowball (smallest balance first).
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Step 3. Enter an extra monthly payment to accelerate payoff.
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Step 4. See total interest paid and months to debt-free.
Why use this tool
Private by design
All processing happens locally in your browser. Open DevTools → Network and you'll see zero file uploads. Ever.
Instant
No upload wait, no queue, no server round-trip. Results appear the moment you drop a file.
Free & unlimited
No accounts, no watermarks, no daily caps. Use it as many times as you like, forever.
Works everywhere
Desktop, tablet or phone — every tool is responsive and installable as a PWA for offline use.
Frequently asked questions
Everything you might want to know about debt payoff calculator.
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