Calculators / Debt Payoff
A taste of the engine

Debt Payoff Calculator

See your real debt-free date, the interest you will pay, and how much faster a little extra gets you there. Computed month by month, to the cent.

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Your debts

The minimum is below this debt's monthly interest, so on its own it would grow.

The minimum is below this debt's monthly interest, so on its own it would grow.

The minimum is below this debt's monthly interest, so on its own it would grow.

Every $50 more a month gets you there 2 months sooner and saves $388 in interest.

Avalanche targets your highest interest rate first. It saves you the most money overall.

Debt-free by

Heads up: with these balances, rates and payments, the debt does not fully clear within 50 years. Try increasing your extra payment, or check any minimum that is below its monthly interest.
Balance over time
Your plan reaches debt-free by February 2029, 2 yr 11 mo sooner than paying only the minimum.
Minimums only
Snowball
Avalanche
Balance over time
SeriesLabelValue
Minimums onlyOct 2026$19,000
Minimums onlyNov 2026$18,695
Minimums onlyDec 2026$18,387
Minimums onlyJan 2027$18,075
Minimums onlyFeb 2027$17,760
Minimums onlyMar 2027$17,442
Minimums onlyApr 2027$17,120
Minimums onlyMay 2027$16,795
Minimums onlyJun 2027$16,465
Minimums onlyJul 2027$16,133
Minimums onlyAug 2027$15,796
Minimums onlySep 2027$15,456
Minimums onlyOct 2027$15,111
Minimums onlyNov 2027$14,763
Minimums onlyDec 2027$14,411
Minimums onlyJan 2028$14,055
Minimums onlyFeb 2028$13,694
Minimums onlyMar 2028$13,330
Minimums onlyApr 2028$13,023
Minimums onlyMay 2028$12,740
Minimums onlyJun 2028$12,453
Minimums onlyJul 2028$12,162
Minimums onlyAug 2028$11,867
Minimums onlySep 2028$11,567
Minimums onlyOct 2028$11,264
Minimums onlyNov 2028$10,955
Minimums onlyDec 2028$10,643
Minimums onlyJan 2029$10,325
Minimums onlyFeb 2029$10,003
Minimums onlyMar 2029$9,676
Minimums onlyApr 2029$9,345
Minimums onlyMay 2029$9,008
Minimums onlyJun 2029$8,667
Minimums onlyJul 2029$8,320
Minimums onlyAug 2029$7,969
Minimums onlySep 2029$7,611
Minimums onlyOct 2029$7,249
Minimums onlyNov 2029$6,881
Minimums onlyDec 2029$6,507
Minimums onlyJan 2030$6,128
Minimums onlyFeb 2030$5,743
Minimums onlyMar 2030$5,532
Minimums onlyApr 2030$5,326
Minimums onlyMay 2030$5,116
Minimums onlyJun 2030$4,901
Minimums onlyJul 2030$4,681
Minimums onlyAug 2030$4,456
Minimums onlySep 2030$4,227
Minimums onlyOct 2030$3,992
Minimums onlyNov 2030$3,752
Minimums onlyDec 2030$3,506
Minimums onlyJan 2031$3,255
Minimums onlyFeb 2031$2,998
Minimums onlyMar 2031$2,735
Minimums onlyApr 2031$2,467
Minimums onlyMay 2031$2,192
Minimums onlyJun 2031$1,912
Minimums onlyJul 2031$1,625
Minimums onlyAug 2031$1,331
Minimums onlySep 2031$1,031
Minimums onlyOct 2031$724
Minimums onlyNov 2031$411
Minimums onlyDec 2031$90
Minimums onlyJan 2032$0
SnowballOct 2026$19,000
SnowballNov 2026$18,445
SnowballDec 2026$17,886
SnowballJan 2027$17,322
SnowballFeb 2027$16,754
SnowballMar 2027$16,182
SnowballApr 2027$15,604
SnowballMay 2027$15,020
SnowballJun 2027$14,430
SnowballJul 2027$13,834
SnowballAug 2027$13,232
SnowballSep 2027$12,624
SnowballOct 2027$12,009
SnowballNov 2027$11,388
SnowballDec 2027$10,761
SnowballJan 2028$10,127
SnowballFeb 2028$9,486
SnowballMar 2028$8,839
SnowballApr 2028$8,178
SnowballMay 2028$7,502
SnowballJun 2028$6,810
SnowballJul 2028$6,103
SnowballAug 2028$5,381
SnowballSep 2028$4,642
SnowballOct 2028$3,886
SnowballNov 2028$3,113
SnowballDec 2028$2,324
SnowballJan 2029$1,516
SnowballFeb 2029$690
SnowballMar 2029$0
AvalancheOct 2026$19,000
AvalancheNov 2026$18,445
AvalancheDec 2026$17,881
AvalancheJan 2027$17,308
AvalancheFeb 2027$16,726
AvalancheMar 2027$16,135
AvalancheApr 2027$15,533
AvalancheMay 2027$14,922
AvalancheJun 2027$14,301
AvalancheJul 2027$13,669
AvalancheAug 2027$13,027
AvalancheSep 2027$12,375
AvalancheOct 2027$11,711
AvalancheNov 2027$11,036
AvalancheDec 2027$10,350
AvalancheJan 2028$9,653
AvalancheFeb 2028$8,943
AvalancheMar 2028$8,222
AvalancheApr 2028$7,488
AvalancheMay 2028$6,741
AvalancheJun 2028$5,979
AvalancheJul 2028$5,202
AvalancheAug 2028$4,410
AvalancheSep 2028$3,603
AvalancheOct 2028$2,780
AvalancheNov 2028$1,942
AvalancheDec 2028$1,098
AvalancheJan 2029$246
AvalancheFeb 2029$0

The order you clear them

Each bar runs from today to the month that debt is paid off.

  1. 1Medical billApr 20281 yr 6 mo
  2. 2Credit cardOct 20282 yr
  3. 3Car loanFeb 20292 yr 4 mo
Avalanche vs Snowball

Avalanche saves $1,317 more.

Snowball clears your first debt, Medical bill, by March 2027, 1 yr 1 mo sooner, for early momentum. Both are valid: math or wins.

Tap a side to make it your plan.

Avalanche and snowball are the start.
FinPal goes further.

In the app, FinPal plans from what you really earn and spend, and aims at the finish line you choose.

  • Leans only on money you can spareYour real income and spending set the plan, so the first tight month does not break it.
  • Clear one first, for peace of mindPick the debt that weighs on you most and see exactly what that choice costs.
  • Math you can checkHand-crafted and precise, line by line. Never an estimate.
Pick your finish line
Debt-free byFebruary 2029Avalanche gets you there first with these numbers.

Here, with the numbers above. In the app, FinPal finds the fastest way there from your real budget, and keeps it current as life moves.

See what FinPal can do for meOther calculators
In the app, you also get

Avalanche, snowball, your own order, or let FinPal optimize how every dollar splits across your debts.

MyBudget runs the plan from your real spending, so go over on dinner and watch your debt-free date shift, in actual numbers.

See exactly what you'll put toward debt months ahead: $300 most months, $200 the month a fifth weekly car payment lands.

No AI. Hand-crafted math.Every cent, simulated month by month.We never move your money.Built by a person, for people.
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