Porchlight LedgerFree calculator
Debt Payoff Calculator
Add your debts, choose Snowball or Avalanche, and see an estimated debt-free date and the month each debt is paid off.
Everything runs in your browser. Nothing you type is stored or sent anywhere.
This is an educational estimate, not financial advice. It assumes a fixed APR, interest added monthly, no new charges and the same total payment every month. Your lender's numbers may differ.
Want the full plan in a spreadsheet?
Our planners turn this into a month-by-month schedule you can update as you go, in Google Sheets or Excel.