7 Free Debt Calculators

Enter all your debts — balances, rates, minimums. Compare snowball vs. avalanche side by side. See payoff dates, total interest, and a month-by-month timeline.

See the brutal truth of minimum payments. Compare minimum vs. fixed payment scenarios. Total interest, payoff time, and a visual breakdown.

Generate a full payment table for any mortgage, car, or personal loan. See principal vs. interest for every single month. Export to CSV.

Enter your monthly debts and gross income. Get your DTI percentage, lender rating, and a radar chart comparing you to industry standards.

Compare your current card vs. a 0% transfer offer. See breakeven month, total savings, and whether the transfer fee is worth it.

What does an extra $25, $50, or $100 a month actually do? See time saved, interest saved, and a visual comparison of scenarios.

Side-by-side visual comparison of both payoff strategies. Timeline charts, interest difference, and a recommendation based on your psychology.