Stop guessing. See exactly when you’ll be debt‑free and how to get there faster — free.
List your debts and what you can pay each month. You’ll get the cheapest payoff order, your debt‑free date, and exactly what to pay on each debt — worked out entirely in your browser.
- Free — no catches
- No signup
- No bank connection
- Your numbers never leave this device
Why is this free?
This is an independent tool. There are no ads, no affiliate links, and no data collection — your numbers stay in your browser and are never sent anywhere. A simple page like this costs almost nothing to run, so it doesn’t need to make money from you.
1 Your debts
Credit cards, overdrafts, loans, car finance, BNPL, store cards — everything except your mortgage. You’ll find each APR and minimum payment on your latest statement or in your banking app — a close guess is fine to start.
2 What you can pay monthly
Your plan
You could be debt‑free in
—
What to pay this month
Your payoff order
See the full month-by-month plan
Struggling with debt? Get free, real help.
If your debts feel unmanageable — you’re missing payments or juggling credit to pay credit — speak to a free, government-backed or charity debt adviser. They can do things this calculator can’t, like negotiating with lenders.