Free debt calculators
Free calculators for paying off debt. No sign-up, and nothing you type leaves your browser.
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Debt snowball calculator
Pay the smallest balance first. See your debt-free date, the order your debts disappear, and the interest you save.
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Debt avalanche calculator
Pay the highest APR first to keep interest as low as possible, and compare it with the snowball.
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Credit card payoff calculator
How long will one card take to pay off, and what monthly payment clears it by a date you choose?
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Balance transfer calculator
Is a 0% balance transfer worth the fee? Compare staying put with transferring, month by month.
Snowball or avalanche?
Both methods pay every minimum and put all your spare money on one debt at a time. The snowball targets the smallest balance first, so you clear whole debts sooner. The avalanche targets the highest interest rate first, which usually costs less overall. Try both calculators with the same numbers and see how big the difference is for you.
For the long version, read Is debt avalanche faster than snowball? We ran the numbers.