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When will you be debt-free?
Enter each debt and how much extra you can pay each month. See your debt-free date, total interest, and how much Avalanche or Snowball saves versus paying minimums only.
Your debts
Debt-free in
2 years 4 months
- Total interest
- $2,300
- Saved vs minimums only
- $1,928
- Minimums only would take
- 4 years 2 months
- Snowball instead
- $178 more interest
Payoff order
- Store cardmonth 4
- Credit cardmonth 17
- Personal loanmonth 21
- Car loanmonth 28
Track it month by month in the Debt Payoff Tracker
Up to 15 debts, a 30-year schedule that tells you what to pay each month, a custom payoff order, a monthly check-in, and a balance chart. Excel, Google Sheets, and Apple Numbers. The calculator above uses the same method.
30-day guarantee: if a file doesn't open or work for you, email hi@aisheetlogic.com and we'll fix it or refund you in full. Details
Avalanche or Snowball?
Both pay the minimum on every debt and put everything extra on one target. Avalanche targets the highest interest rate first, which usually costs the least interest. Snowball targets the smallest balance first, so you clear whole debts sooner. When a debt is paid off, its minimum rolls into the next target the same month.
Estimate only, not financial advice. Interest is calculated monthly as balance × APR ÷ 12, and the first payment is next month. Your lender may calculate interest daily or add fees.
Free: 52-Week Savings Challenge spreadsheet
Save a little more each week and see the running total. Increasing or decreasing, any starting amount. Excel, Google Sheets, and Apple Numbers. Enter your email at checkout and we send the file, plus a note when a new spreadsheet comes out.
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