Last updated: September 26, 2026
Debt Sunset is a calculator and planning tool. It is not a financial advisor, and nothing on this site is financial, investment, credit, tax or legal advice.
Estimates, not guarantees
Every payoff date, interest total, minimum payment, utilization figure and savings amount shown by Debt Sunset is an estimate. It is calculated only from the numbers you enter and from simplifying assumptions, such as rates staying the same, no new charges, and payments made on time and in full.
Your card issuers and lenders calculate interest, fees, minimum payments and billing cycles in their own ways, and they can change your terms. Your real balances, dates and costs will differ from the projections, sometimes significantly. Always rely on your official statements and your creditors’ own figures.
No personalized advice
Debt Sunset does not know your full financial situation, and it does not recommend what you personally should do. Strategies such as “snowball”, “avalanche” and “utilization beatdown” are shown for comparison only. Choosing a strategy, making payments, transferring balances, taking out loans or closing accounts are your decisions, made at your own risk.
Before making important financial decisions, consider talking to a qualified professional, such as a certified financial planner, a nonprofit credit counselor (for example, an agency affiliated with the National Foundation for Credit Counseling) or an attorney.
Credit scores
Information about credit utilization and credit scores is general and educational. Credit scoring models are proprietary and are not published. We do not promise any change to your credit score.
Articles and guides
Our articles are for general education. Examples use illustrative numbers. Information may be out of date or may not apply to your situation.
No relationship with creditors
Card and loan names, logos and contact details in Debt Sunset are shown to help you identify your own accounts. Debt Sunset is not affiliated with, endorsed by or sponsored by any bank, card issuer or lender. Always confirm contact details and payment addresses with your creditor before relying on them.
Use at your own risk
You use Debt Sunset at your own risk. Our full disclaimers and limits of liability are in the Terms of Use.