You've been making minimum payments for months. Maybe years.

And somehow the balance barely moves.

You know you're paying — but you have no idea when it actually ends. No date. No finish line. Just a number on a statement that keeps showing up every month like a reminder you're not done yet.

That uncertainty is the worst part. Not the debt itself — the not knowing.

The Debt Payoff Calculator gives you what no bank will ever show you: a clear, honest picture of exactly when you'll be free.

Enter every debt you're carrying — credit cards, car loan, student loans, personal loans. Set how much extra you can throw at it each month. In seconds you get two complete plans:

Avalanche Method — attack the highest interest rate first. Mathematically saves the most money.

Snowball Method — eliminate the smallest balance first. Faster early wins that keep you motivated.

Side by side. Same numbers. You pick the path.

Then the calculator shows you:

✅Your exact debt-free month and year for each method

✅Total interest saved vs. just paying minimums

✅How much each method costs you if you do nothing different

✅A month-by-month payoff schedule showing exactly which debt to attack first

• The moment each debt disappears and that payment rolls forward

No app. No subscription. No account. Open the file, enter your numbers, get your plan in under 5 minutes.

Pick your method. Know your date. Get out of debt faster.