📅 Payoff calculators

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Credit Card Payoff

Enter 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.

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Minimum Payment

See 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.

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Debt Snowball

List 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.

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Debt Avalanche

List 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.

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Balance Transfer

Compare 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.

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Deferred Interest

Model a "no interest if paid in full" store-card promo honestly: interest accrues silently from day one, and if any balance remains when the window closes, all of it is charged at once. See the payment that truly clears it in time, and what the bill becomes if you miss.

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Early Payoff

See exactly what an extra monthly payment does to any fixed-payment debt: the months removed from the schedule, the interest avoided, and the new payoff date. Computed month by month on the declining balance, with the baseline and the accelerated schedule shown side by side.

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Payoff Date

Two directions, one date: enter a payment to get the calendar date a balance reaches zero, or pick a target date to get the exact monthly payment that lands there. Dates clamp properly at month ends, and the closed-form answer is checked against a full month-by-month schedule.

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Credit Utilization

Enter each card's balance and limit to get utilization per card and across all cards, plus the exact paydown that brings your overall ratio to a target like 30%. Education only: it computes the ratio the CFPB's guidance describes, and it never pretends to simulate your score.

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Daily Interest

What a balance costs per day: the daily periodic rate, the dollars of interest each day adds, and the total over any number of days. The per-day figure is the most motivating number in debt math — it turns an abstract APR into what this morning cost.

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Personal Loan Payoff

For a fixed-payment personal loan: the payoff date at your current payment, the months and interest an extra payment removes, and how the interest-to-principal split of each payment shifts over the schedule. Amortization computed month by month, matching the standard mechanics the CFPB describes.

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Auto Loan Payoff

When your car is actually paid off: the payoff date at your current payment, what extra payments change, and the total interest across the remaining term. Enter the balance and payment from your statement — the math runs month by month on the declining balance, entirely in your browser.

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Medical Debt Payoff

Medical debt usually sits on a 0% hospital payment plan — so the math is months, not interest, unless it has moved to a credit card. This calculator handles both cases, shows the difference between them in dollars, and points at the negotiation letters worth sending before you commit to any plan.

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Store Card Payoff

Store cards carry the highest APRs in consumer credit — around 30% is normal — and most run deferred-interest promos on top. This calculator shows the payoff date and interest at your payment, and flags when a promo end date lands before your balance clears.