Debt Payoff Calculator

Enter a balance, APR, monthly payment, and optional extra payment, then use the connected debt workflow when you need to compare multiple balances or a hypothetical consolidation loan.

Balance

APR (%)

Monthly payment

Extra monthly payment

—Estimated payoff time

—Total interest

—Total paid

—First-month interest

—This is a mathematical estimate using a fixed APR and fixed monthly payment, not a prediction of lender fees or changing rates.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

All 89 finance calculators

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Compare debt and rate scenarios

connects debt payoff, credit-card cost, loan comparison, APR/APY, effective-rate, weighted-rate, and hypothetical consolidation calculations.

Compare assumptions, not offers

Results are deterministic browser-local math from the values you enter. They are useful for scenario comparison, but they are not a lender quote, approval decision, investment forecast, credit recommendation, or substitute for an account agreement.