Entered payments (fixed)
Keeps each entered monthly payment fixed until that debt is paid; freed-up payments are not redirected.
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Free DIY Credit tools
Borrowing math you can use today.
Explore debt payoff options, pressure-test a monthly payment, and get a clearer view of your debt-to-income ratio. No account, signup, or saved personal data—your entries stay in this browser.
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Educational estimates only. Results are not financial, tax, legal, or lending advice and do not guarantee approval, savings, or a specific payoff date.
Featured calculator
Debt Payoff Planner
See how entered current payments affect your monthly room, then compare three payoff paths using the same debts.
Your debts
Entered current minimum payments drive the DTI estimate. Add as many debts as you need.
Debt-to-income ratio
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Uses entered current minimum debt payments divided by gross monthly income.
Money left from gross income
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Before taxes and deductions; after living expenses, entered current minimums, and your extra payment.
Payoff comparison
Each entered monthly payment remains fixed for these estimates until that debt is paid; actual creditor minimums can change. Snowball prioritizes the lowest balance. Avalanche prioritizes the highest APR. Both redirect freed-up payments to the next debt.
Snowball
Target the lowest balance first, then roll that payment forward.
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Avalanche
Target the highest APR first, then roll that payment forward.
Enter valid values to compare.
Home borrowing
Mortgage payment
Estimate monthly principal and interest. Taxes, insurance, fees, and association dues are not included.
Estimated principal + interest
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Vehicle borrowing
Auto payment
Estimate the loan payment before taxes, registration, dealer charges, or add-ons.
Estimated monthly payment
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Revolving debt
Credit-card payoff
Estimate how long a fixed monthly payment could take, assuming no new charges or rate changes.
Estimated payoff time
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Enter a positive balance and payment.
Monthly snapshot
Debt-to-income ratio
Compare required monthly debt payments with gross income before taxes and deductions.
Estimated DTI
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Gross income must be greater than zero.