Conquer Your Debt. Start Today.

Your definitive, data-driven plan for financial freedom, powered by our free calculator.

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Your Free Debt Payoff Calculator

Enter your debts below to see how fast you can be debt-free using the Snowball or Avalanche methods.

Debt Name
Balance
APR (%)
Minimum Payment

The Best Strategy for You

Save Thousands in Interest

Our calculator shows you the most efficient way to pay off your debt, potentially saving you a fortune in interest payments.

See Your Payoff Date Clearly

Get a clear, tangible date for when you'll be debt-free. Visualizing the finish line is a powerful motivator.

Choose the Best Strategy

Compare the Debt Snowball and Debt Avalanche methods side-by-side to see which approach works best for your financial situation.

Explore Your Debt Solution Options

Debt Consolidation

Combine multiple high-interest debts into a single, lower-interest loan. Simplify your payments and reduce your interest rate to pay off debt faster.

Learn More

Credit Card Balance Transfers

Move your high-APR credit card balances to a new card with a 0% introductory APR. This can give you a window to make significant progress on the principal.

Find Offers

Personal Loan Options

A personal loan can provide you with a lump sum to pay off various debts, often with a fixed interest rate that is lower than your current credit cards.

Check Rates

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Savings Weekly
Money Today
Investor's Guide

"Using this calculator was a wake-up call. Seeing the numbers laid out so clearly gave me the motivation I needed to start tackling my debt head-on."

- Sarah P., California

"I saved over $3,000 in interest by following the Avalanche plan. I can't believe how simple it was to understand. Highly recommend!"

- Mike R., Texas

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