Debt Payoff Calculator

See exactly when you could be debt-free. Enter your balances below and compare the Avalanche and Snowball payoff methods — free, no signup.

List your debts, add any extra you can put toward them each month, and see your debt-free date — two proven ways to attack the balances.

Debt name	Balance ($)	APR (%)	Minimum payment ($/mo)

Extra money you can add each month ($)

Avalanche — highest APR first. Saves the most money. Snowball — smallest balance first. Fast wins, builds momentum.

Want a plan built for your exact situation?

A payoff plan works even faster when the negative items dragging your score are handled at the same time.

Call Credit Works Pro at (877) 461-3755 or take the free Credit Quiz.

This calculator is an educational estimate only. It assumes fixed APRs, on-time minimum payments every month, and no new charges. Interest is estimated monthly. Your actual payoff dates and interest will vary with your creditors' terms, fees, and payment timing. This is not financial, legal, or tax advice, and no result is guaranteed.