Free debt payoff tools — no signup, shareable scenarios
See exactly what your payoff path costs in time and interest. Every rate and balance is your input — nobody here states today's market rate or pushes a product your math does not support. Share any calculator URL to save your scenario.
Calculators
- Snowball vs avalanche calculatorCompare snowball and avalanche payoff order side by side. Enter your balances, APRs, and extra payment — share the URL to save your scenario.
- Debt payoff plannerBuild a payoff plan with your debts, minimum payments, and extra monthly amount. See months to debt-free and total interest.
- Debt-to-income calculatorCalculate your debt-to-income ratio from your monthly debts and gross income. All numbers are your inputs.
- Credit utilization calculatorSee your overall and per-card utilization from balances and limits you enter. No score promises — just the math lenders watch.
- Debt consolidation compareCompare keeping your cards vs a personal loan vs home equity options. You supply every rate and cost; we show interest, payment, and payoff date.
Guides
- Snowball vs avalanche guide
- How DTI is calculated
- Credit utilization and scores
- When home equity consolidation makes sense
- HELOC vs cash-out refi for debt
- Build a payoff plan you will keep
- Minimum payments math
- Debt and buying a home
- Debt after divorce
- When the plan does not work
Save your payoff plan
Want a printable copy or a follow-up on your scenario? The tools stay free either way.
Printable payoff plan
- List every debt with balance, APR, and minimum payment
- Pick snowball or avalanche in the payoff planner
- Set a monthly extra payment you can sustain for 90 days
- Save the calculator permalink on your phone or fridge
- Review progress monthly — update the URL when a debt closes
- Run DTI before house-hunting if a mortgage is a goal