Free Online Debt Payoff Calculator

Plan your debt freedom journey with our comprehensive multi-strategy debt payoff calculator. Compare debt snowball vs avalanche methods, optimize payment strategies, calculate interest savings, and create personalized payoff timelines. Features multi-currency support including PKR, USD, EUR, and more. Perfect for credit card debt, student loans, personal loans, and mortgage planning. Get detailed payment schedules, total interest projections, and debt-free date calculations with actionable insights for faster debt elimination.

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💳 Debt Payoff Strategy

💰 Your Debts

Real-time Calculation

💸 Payment Strategy

Optimizing Payments
$
Additional amount beyond minimums
How often you make payments
$
Bonus, tax refund, windfall
Desired debt-free date

📊 Payoff Results

Current Strategy: Debt Snowball
Debt-Free Date
--
projected payoff
Total Interest Paid
$0.00
over loan term
Time to Payoff
0 months
from today
Interest Savings
$0.00
vs minimum payments
Total Debt Amount
$0.00
current balance
Monthly Payment
$0.00
including extra

📅 Payoff Schedule

💡 Debt Freedom Insights

🎯
Best Strategy
Calculate to see recommendation
Quick Wins
Add debts for analysis
📈
Progress Motivation
Enter debt information