Debt Payoff Calculator

• List each debt: balance, interest rate, and minimum payment

• Choose your strategy — Avalanche (highest interest first, saves the most money) or Snowball (smallest balance first, builds momentum)

• Add any extra amount you can put toward debt each month

• Get your month-by-month payoff order, your debt-free date, and total interest paid

What’s included:

• One HTML calculator file — download it, open it in any browser (phone, laptop, tablet), and use it anytime your balances change

• No wifi needed after download, no login, no subscription

• Add unlimited debts and re-run the numbers as often as you like

Estimates assume your rates and minimum payments stay the same. This isn’t financial advice — for complex debt situations, a certified credit counselor can help.

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SEO meta description: See your exact debt-free date and total interest paid. Compare snowball vs avalanche strategies. Instant digital download.

Tags: debt payoff calculator, debt snowball, debt avalanche, budgeting tool, personal finance, get out of debt, digital download