Pay off debt with the math on your side.
DebtMath is a growing collection of free, no-signup calculators for paying off credit cards, loans, and multi-debt portfolios. See your payoff date, total interest, and what every extra dollar really does.
Debt Tools
More calculators coming soon
DebtMath is brand new — more tools are in active development.
Minimum Payment Trap
What paying only the minimum really costs — in years and total interest.
Debt Snowball Calculator
Multi-debt simulator that pays off the smallest balance first.
Debt Avalanche Calculator
Multi-debt simulator that pays off the highest-APR debt first.
Extra Payment Savings
Add $X/month to any loan and see the interest you save.
Bi-Weekly Payment Calculator
Switch from monthly to bi-weekly and shorten any loan by years.
Lump Sum vs Monthly Extra
Apply a windfall to debt now, or spread it across larger payments? Compare.
Student Loan Payoff
Federal vs private repayment with optional income-driven cap.
Auto Loan Payoff
Daily simple-interest math — the way auto lenders actually accrue.
Debt Consolidation Calculator
Compare your current debts to a proposed consolidation loan.
Why DebtMath?
Most online payoff calculators answer one question and stop. DebtMath is being built around the actual decisions debtors face: which debt to attack first, whether to consolidate, how much extra to throw at it, and what the realistic finish line looks like.
Every tool will be free, work in your browser without an account, and show its math so you can verify the answer. No upsells, no tracking beyond standard analytics.
From the Savings Side
Compounding works for you when you save and against you when you borrow. Our sister site covers the savings half:
Visit Compound Interest Calculator →