Debt calculators

The fastest way out of debt is a plan you can see. These calculators turn "I owe money" into a date, a payment, and a total cost. Run your real balances through both payoff methods and compare them side by side. Find the month one credit card finally hits zero. Check the debt-to-income number lenders use before they ever call you back. And there is a psychology catch worth knowing up front: the mathematically cheaper method is not always the one people stick with. That is why every tool here shows you the finish line, not just the interest. A payoff plan you abandon in month three costs more than the slightly pricier one you finish. If that sounds familiar, you're not alone: most people who fail at debt payoff fail at the plan, not the math. The tools here make the plan visible, so sticking to it gets easier every month. Every calculator shows its formula and a worked example. No sign-up, no email wall, and nothing you type leaves your browser.

All debt calculators

Flagship
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Debt Snowball vs Avalanche

Run your real debts through both methods and compare the finish lines.
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Debt Payoff Calculator

Your debt-free date and total interest for any single debt.
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Credit Card Payoff Calculator

See how minimum payments stretch one balance across years.
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Debt-to-Income Calculator

The DTI ratio lenders use to judge your application, in one check.

Which one fits your question?

I have several debts, which do I kill first? Snowball vs Avalanche Compare Debts → One loan. When is it gone? Debt Payoff Calculate Payoff → I only pay the minimum on my card Credit Card Payoff Check Card Payoff → Can I qualify for a mortgage or a loan? Debt-to-Income Check DTI Ratio →

Learn the ideas first

Not sure which payoff method suits you? Which debt payoff method actually wins? breaks down the snowball and avalanche trade-off with real numbers, including when the "worse" method is the better choice. Keep going with how long the credit card snowball takes, what an extra $100 a month does to your payoff, and the DTI ratio lenders use for a mortgage.

Debt questions, answered

What is the difference between the snowball and avalanche methods?
Both pay minimums on everything and throw your extra money at one debt. Snowball targets the smallest balance first, for quick wins. Avalanche targets the highest interest rate first, which costs less overall. The real question is which one you will still be following in six months.
Which method saves more money?
Avalanche, almost always, because it kills the most expensive debt first. On typical balances the difference runs from a few hundred dollars to several thousand. Snowball closes accounts sooner, and for many people that early momentum is the only reason the plan survives.
How accurate is the debt-free date?
The simulation runs month by month on your balances, APRs, and payments, so the date is exact for the inputs you enter. It changes the moment you change a payment, add a charge, or your rate adjusts. Re-run it whenever any of those happen.
What is a good debt-to-income ratio?
Under 20% is comfortable. Between 20% and 36% is manageable but tight. Mortgage lenders get nervous above 43%, and many hard-cap approvals around there. Note that DTI uses gross monthly income, and minimum payments, not actual ones, for most card debts.
Are these calculators financial advice?
No. They are educational tools. They cannot see fees, penalty rates, or your full financial picture, and they are not a substitute for a qualified debt counsellor or financial professional. If your debts feel unmanageable, talk to a nonprofit credit counselling agency before you borrow more.