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Know your
debt-free date

Payoff math with every formula named and cited, and letter templates that quote the federal rules they stand on. No sign-up, no uploads, and no advice dressed up as expertise.

💳 When is my card paid off?How we calculate everything

The payoff, the prices, and the letters

Payoff calculators

Your debt-free date, in plain numbers

What care costs

Cash prices for common procedures

Negotiate a bill

Letters that cite your actual rights

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Credit Card Payoff Minimum Payment Debt Snowball Balance Transfer

Most used

Credit Card PayoffEnter a balance, APR, and monthly payment to get your payoff date, months to zero, and total interest, computed month by month on the declining balance. Raise the payment to see how much sooner the card clears and how much interest you avoid. Everything runs in your browser.Minimum PaymentSee what paying only the minimum actually costs: the months to zero, the total interest, and the payoff date when the minimum is recomputed from your shrinking balance every month. Then compare against fixing your payment at the first minimum — same starting number, years less interest.Debt SnowballList your debts and see the snowball plan month by month: minimums on everything, all extra at the smallest balance, and each cleared minimum rolling into the next debt. You get a debt-free date, the payoff order, total interest, and the exact month each debt disappears.Debt AvalancheList your debts and see the avalanche plan month by month: minimums on everything, all extra at the highest APR, freed minimums rolling forward as each debt clears. You get a debt-free date, total interest, and a side-by-side against the snowball order for the same debts.Balance TransferCompare staying on your current card against transferring: the transfer fee, the payment that clears the balance inside the promo window, what remains when the promo ends, and the interest difference between both paths at the same monthly payment. The fee is capitalized into the transferred balance, as it is in real life.

One date, checked monthly

A payoff date you looked at once is trivia. Save your plan and the site shows you, every time you come back, whether your debt-free date moved closer or drifted — and by how much. The plan lives in your browser only: there is no account, and nothing is uploaded.

Find my debt-free date Get the printable kit

Calculators, every formula cited

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Client-side only — balances never stored or sent

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Every reference value sourced, dated and linked

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Debt calculators that show their working

Most payoff calculators hand you a number and no way to check it. Debt & Bills does the opposite: every tool names the formula it used, links the official source behind every reference value — the CFPB's documentation of issuer minimum-payment formulas, the Federal Reserve's G.19 card-rate series — shows the date we last checked that source, and states the approximation it makes (interest accrues monthly here; issuers compound daily) instead of hiding it.

The calculators cover credit card payoff dates, the minimum-payment math and why it stretches a balance into decades, snowball and avalanche plans where freed-up minimums genuinely roll over, balance-transfer break-evens, deferred-interest store-card promos, daily interest, and credit utilization. Alongside them sit letter templates for medical bills and collections — each citing the No Surprises Act, IRS section 501(r), or the Fair Debt Collection Practices Act by name.

Everything is computed in your browser. There is no account, nothing is uploaded, and your balances in particular never leave your device — which is both an ethical position and, frankly, the reason to use this site over one that treats your debt as a lead to sell. Read the methodology for the full list of formulas and sources, or the changelog for every time a reference value changed.

To build the monthly budget that funds your extra payment, see the budgeting calculators at budgetbuildinvest.com

HSA and FSA calculators and limit pages live at budgetbuildinvest.com — their canonical home in this network. budgetbuildinvest.com

Money stress is still stress — for breathing pacers, sleep timing and the steadiness log, see theballastprinciple.com