Calculators
Debt Payoff Calculators
Snowball vs. avalanche across up to four cards, plus dedicated calculators for medical debt, auto loans, personal loans, student loans, and consolidation. Free, no signup.
Debt payoff calculators
Live now — real payoff math built around how each specific debt type actually works.
Credit Card Debt Payoff Calculator
LiveCompare snowball vs. avalanche payoff timelines and interest across up to 4 cards, with a CSV export.
Debt Consolidation Calculator
LiveSee whether combining multiple debts into one loan actually lowers your total cost.
Personal Loan Payoff Calculator
LiveModel your payoff timeline and total interest on a fixed-term personal loan.
Student Loan Payoff Calculator
LiveSee your payoff timeline and total interest under a standard repayment schedule.
Medical Debt Payoff Calculator
LiveCompare a hospital's 0% payment plan against putting the bill on a credit card — the difference is usually bigger than people expect.
Auto Loan Payoff Calculator
LiveSee exactly when your loan balance drops below your car's depreciating value.
From the blog
Deep dives to help you get more out of the calculators above.
Dave Ramsey's Debt Snowball and Emergency Fund Rule: Do They Actually Work?
The actual peer-reviewed research behind paying off your smallest debt first — and when avalanche really does win.
Read more →Student Loans vs. Credit Cards: Why "Just Pay Off Debt" Isn't One Strategy
Income-driven repayment, forgiveness programs, and interest subsidies mean student loan payoff math looks nothing like a credit card's.
Frequently asked questions
Before you pick a debt payoff calculator.
Which debt payoff calculator should I use?
Match it to the debt type — the Credit Card calculator handles multiple revolving balances with snowball vs. avalanche comparison, while Medical Debt, Auto Loan, Student Loan, and Personal Loan each model the specific rules and risks of that debt type individually.
Is snowball or avalanche better for paying off multiple debts?
Avalanche (highest interest rate first) is mathematically optimal for minimizing total interest. Snowball (smallest balance first) can still be the better real-world choice if quick wins keep you more consistent — the Credit Card calculator runs both side by side so you can compare your actual numbers.
Can I combine strategies across different debt types?
Yes — many people use a mix, such as consolidating high-interest credit cards while paying a student loan on its standard schedule. Run each relevant calculator separately, since the rules genuinely differ by debt type.
Are these calculators free?
Yes — every calculator on this page is free to use, with no signup or account required.