Who runs it
DebtMath is built and maintained by Pond Software, an independent developer that runs a handful of single-purpose calculator sites. It is not affiliated with any bank, lender, credit-counseling agency, or debt-settlement company, and it does not sell leads to any of them. That independence is the point: the numbers you see aren't bent toward selling you a product.
Why it exists
Most "get out of debt" pages online are wrappers around a lead form — enter your balance, get a call from a settlement company. DebtMath exists to answer the question those pages avoid: given your actual balances, rates, and payment, when are you debt-free, and how much interest will you pay to get there? Every calculator lands on a populated result so you can see your own number, not a generic example.
How the calculators are built
The core amortization, snowball, avalanche, and minimum-payment logic all live in one shared math library, so every page is running the same tested engine rather than a one-off formula. Where a strategy is genuinely a judgment call — snowball versus avalanche is the classic example — DebtMath models both and shows you the dollar gap between them instead of prescribing one. Interest figures assume fixed rates and a standard monthly accrual; they're close estimates, not a promise your lender computes it identically.
Editorial approach
- Show the math. Results come with the assumptions that produced them — no hidden fudge factors.
- No fear-based selling.DebtMath doesn't push debt-relief programs, refinancing offers, or credit repair services.
- Estimates, not advice.Everything here is educational. It can't see your full financial picture, so it doesn't pretend to replace a professional. See the terms of use.
- Honest about how the site is funded. DebtMath runs on a few Amazon affiliate links to books and planners, plus standard display advertising — never on selling your data. See the affiliate disclosure and privacy policy.
Start with a calculator
The fastest way to understand the site is to run your own numbers:
- Credit card payoff — payoff date and total interest for a single balance.
- Debt avalanche and debt snowball — two strategies for several debts, side by side.
- Extra payment savings — the months and interest any extra amount saves.
Questions, corrections, or a bug in the math? Get in touch — we read every message.