Free debt calculators
Run your own numbers — no sign-up, no tracking of what you type. Every calculator runs entirely in your browser; nothing you enter is sent, stored, or shared.
Payoff vs. consolidation
See how long your debt takes to clear as-is, then compare it to a consolidation loan at any rate and term.
Open the calculator →Amortization & extra payments
Watch principal vs. interest over a loan’s life — and see how an extra $25–$100 a month moves your payoff date.
Open the calculator →Avalanche vs. snowball
Have several debts? Compare paying highest-rate-first vs. smallest-balance-first, side by side.
Open the calculator →Compare loan offers
Already have offers in hand? Put them side by side and see the true total cost — fees included.
Open the calculator →