Debt payoff calculator
The answer
3 debts totalling $14,400.00 are paid off in 3 yr — around Sep 2029 — with $3,909.86 in interest.
Of the first $520.00, $189.18 is interest and $330.82 comes off what you owe.
On these numbers avalanche costs $919.10 less in interest, and finishes 1 month sooner.
- Total interest
- $3,909.86
- Total paid
- $18,309.86
An estimate from the inputs shown, not a promise of a particular date. How we calculate this.
Enter every debt you owe and pick an order to attack them in. The answer above is computed from the fields below and updates as you type. Nothing is saved, and you do not need an account to see it.
Your debts
Medical bill
Credit card
Car loan
A short list, to keep the page readable. The app takes as many as you have, and tracks them month to month.
Estimated result
3 yr
Estimated debt-free date Sep 2029
Total interest
$3,909.86Total paid
$18,309.86Assumptions
- Interest accrues once a month, before that month's payment.
- The APR stays at the rates entered for the whole term.
- No new spending, fees, penalty rate or promotional rate.
- You pay every minimum, plus the extra in full, on time, every month.
A 7-day free trial, then $2.99 a month. No bank login, ever.
Method comparison
| Method | Term | Debt-free | Total interest |
|---|---|---|---|
| Avalanche | 3 yr | Sep 2029 | $3,909.86 |
| Snowball | 3 yr 1 mo | Oct 2029 | $4,828.96 |
On these numbers avalanche costs $919.10 less in interest, and finishes 1 month sooner.
What the orders actually change
Both orders pay the same total every month. The only difference is which debt gets the money left over after every minimum is paid. Avalanche sends it to the highest rate, which costs the least interest. Snowball sends it to the smallest balance, which clears a debt sooner and gives you something finished to look at.
Switch the toggle above to see what the choice costs you on your own numbers. On many real sets of debts the difference is smaller than people expect — and on some it is not.
What it does not know
It assumes you keep paying, the rates hold, and you add no new balances. It cannot see a promotional rate ending, a fee, a missed payment penalty rate, or a change in your income. Treat the date as an estimate that is right if the assumptions hold, not a promise.
Related
Reviewed 2026-09-17. Every figure on this page is produced by the same payoff engine the Dang! Payoff app runs, from the inputs shown, and is an estimate that holds only if the stated assumptions hold. The dates printed here were computed from a plan starting September 2026; the calculator re-anchors to the current month in your browser, so a date you read with JavaScript disabled is the one for that starting month rather than for today.
Dang! Payoff is a manual-entry debt payoff planner and tracker from Dang Apps LLC. It is not a lender, credit counselling agency, debt-relief, debt-management or debt-settlement service, and nothing here is financial, legal or tax advice or a recommendation about your situation. Your issuer’s or lender’s own terms govern your account.
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