Debt Payoff Calculator

See how fast you can be debt-free

Enter what you owe, your interest rate, and what you can pay each month. We'll show how long it takes to clear the balance and the total interest you'll pay.

Current balance$10,000

$500$100,000

Interest rate (APR)18%

0%36%

Monthly payment$300

$25$5,000

Time to pay off

—

Principal

Interest

Total interest—

Total paid—

Debt-free by—

Your monthly payment is too low to cover the interest — the balance would never reduce. Increase the payment to see a payoff time.

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This calculator provides estimates for illustration only and does not constitute financial advice or a loan offer. It assumes a fixed interest rate and a constant monthly payment with no new charges added to the balance.