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When Will You Be Debt-Free?
Your Debts
Enter each debt — we'll crunch the numbers.
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Extra Monthly Payment
Any amount above minimums you can throw at debt each month.
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Built on Proven Methods
This calculator uses the two most proven debt payoff strategies — the debt snowball and debt avalanche methods — to show you exactly when you'll be debt-free.
Snowball Method
Pay off smallest debts first for quick wins and momentum. Research shows this keeps people motivated longer.
Avalanche Method
Pay off highest-interest debts first to minimize total interest paid. Saves the most money mathematically.
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