DebtLab

Free · No sign-up · Private

Pay off your debt faster. See exactly when.

Plug in your balances and get a month-by-month plan: your debt-free date, the interest you'll pay, and how much a little extra each month could save.

Build my payoff plan Credit card calculator

Debt-free date

May 2030

−$4,212 interest

Store card

June 2027

Visa

June 2028

Car loan

May 2030

Example plan

Free debt calculators

Everything runs in your browser. Nothing you type leaves your device.

Debt Snowball CalculatorPay the smallest balance first and see your debt-free date.Open calculator Debt Avalanche CalculatorPay the highest APR first and compare the interest you save.Open calculator Credit Card Payoff CalculatorOne card, one payment: how long it takes and what it costs.Open calculator Credit Card Payoff TablesPick your balance and APR to see payment options and payoff dates.Open calculator Credit Score SimulatorAnswer 5 questions for an educational score estimate.Open calculator

Debt math in 60 seconds

Real scenarios, real numbers. New Shorts every day.

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November 9, 2026 · 7 min read

How to Pay Off $12,000 Credit Card Debt: Step-by-Step Plan

Learn how to pay off $12,000 credit card debt with a practical monthly plan. Discover interest costs, repayment timelines, and credit score impacts.

November 8, 2026 · 7 min read

How Long to Pay Off $15,000 Debt with Minimum Payments?

Paying minimum payments on $15,000 in credit card debt at 19% APR takes 27 years and 10 months. Learn how minimum interest math works and how to pay it off.

November 7, 2026 · 7 min read

How to Pay Off $20,000 Credit Card Debt

Learn how paying off $20,000 in credit card debt works. Explore math examples, interest savings, payoff timelines, and simple action steps.

Frequently asked questions

What is the fastest way to pay off debt?

Pay more than the minimums and aim the extra at one debt at a time. The avalanche method (highest APR first) usually costs the least interest; the snowball (smallest balance first) gives quicker wins. Our calculators show both for your numbers.

Are these calculators really free?

Yes. There is no sign-up, and your numbers never leave your browser.

How accurate are the results?

They use standard monthly interest math and assume fixed payments and no new charges. Your lender's figures can differ slightly because of daily interest, fees, or changing rates.