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Debt Payoff Calculator

Enter a balance, APR, monthly payment, and optional extra payment to estimate the payoff timeline mathematically.

—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.

How to use this Debt Payoff Calculator

Estimate payoff time and total interest for a fixed balance and APR. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.