DebtFreeA little clarity. A way forward.
Less guesswork. More possibility.

Your debt has
an end date.
Let’s find it.

See where you stand, compare your options, and make a payoff plan that fits your life.

Calculate my debt-free date
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A little extra. A different future.TRY AN EXAMPLE
Estimated debt-free date
July 2029
With extra paymentsFixed minimums
$9k$0NowMonth 54
Interest you could save$2,061
Time you could get back21 months
$100
$0$500

Illustration: $8,500 at 21.9% APR, $250 fixed minimum. First payment November 2026. Assumptions

Start with your numbers

A little clarity goes a long way.

Useful tools for the questions on your mind. Always free.

Explore all seven tools

Debt payoff calculator

Your whole plan, in one place.

Snowball vs. avalanche

Two approaches. Your numbers.

Interest saved calculator

See what a little extra can do.

Debt-free date calculator

Give your goal a date.

Minimum payment calculator

Look beyond this month’s bill.

No mystery behind the math

See exactly how your estimates are calculated.

Different routes. The same destination.

A plan that makes sense.
And one you can stick with.

The snowball and avalanche methods organize your extra payments differently. The right comparison starts with understanding both.

Compare them with your numbers
The snowball method

Smallest balance first.

Focus on clearing one balance, then carry that payment into the next. Earlier wins can make progress feel tangible.

Try snowball
The avalanche method

Highest interest first.

Direct your extra payment to the highest APR. This prioritizes reducing the cost of borrowing.

Try avalanche
Good information. No judgment.

Make your next step a little easier.

Read the guides
Start with a plan

How to pay off debt, one step at a time

A practical starting point when you’re not sure where to begin.

Find your approach

Snowball or avalanche? Look at the trade-offs.

A worked comparison of cost, timing, and the first small win.

Make room for progress

How to pay off debt faster, sustainably

Small changes, realistic payments, and room for real life.

Your finances are personal. They stay that way.

Calculations happen in your browser. No account, no saved balances, and no financial inputs sent to a server. How privacy works

DebtFree app iconMeet your everyday companion

A clear plan today.
A little progress every day.

Keep your balances, payment history, and next steps together with DebtFree for iPhone.

Get DebtFree on the App Store

Free to download. Optional in-app purchases.

01

Your debts, organized

Track balances and record payments in one place.

02

A plan that can change with you

Compare payoff methods and explore extra-payment scenarios.

03

Room for real life

Use payment reminders and review your progress over time.

Clear assumptions.
Honest estimates.

These tools are here to help you understand your options. Every estimate includes its assumptions, and our guides link to primary sources.

Read our calculation methodology