About
Debt is math. We show the math.
DebtLab makes free tools that turn a pile of balances into a clear plan with a date on it.
What we do
Most people in debt are not short on motivation; they are short on a clear picture. How long will this take? What is it costing me? Does an extra $100 a month matter? Our calculators answer those questions in seconds, using the same monthly interest math lenders use.
How we work
- Private by design. Calculators run in your browser. We never see your numbers.
- Real numbers. Every figure in our articles and videos comes from an actual calculation, not a guess.
- No hype. We avoid promises and guarantees. Your results depend on your situation.
- Free. The site is supported by ads and clearly labeled affiliate links.
Where to find us
We post short debt-math videos on YouTube. New guides appear on the blog every week.
Contact
Reach us through our YouTube channel's About page.
DebtLab is operated by Orkun Burak Gülhan.
DebtLab provides educational information only and is not a financial advisor.
Our calculators
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