Free · No login · Instant
Know the exact month your debt ends.
Plan My Payoff is five fast debt payoff calculators. Enter your balances, see the payoff date, the full schedule, the total interest, and what one extra payment a month is really worth.
The five calculators
Multiple cards, one plan. See every month until you're free.
Open calculatorSmallest balance first — fast wins to keep momentum.
Open calculatorHighest APR first — the lowest total interest math.
Open calculatorSee how extra payments shorten an auto loan.
Open calculatorModel several loans and one combined payoff date.
Open calculatorWhat you get that other calculators skip
Every payment split into interest and principal.
Watch the balance fall, with and without extra payments.
Instantly see months and dollars saved.
A clean summary of your plan in one click.
All math runs locally. No accounts, no tracking of your numbers.
Common questions
- Are the Plan My Payoff calculators free?
- Yes. Every calculator is free, with no login, no email wall and no ads above the tool.
- Is my data private?
- All math runs in your browser with JavaScript. Nothing you type is sent to a server or stored.
- Which payoff method should I use?
- Avalanche (highest APR first) costs the least interest; snowball (smallest balance first) gives quicker wins. Each calculator shows both side by side with the dollar difference.
Educational estimate, not financial advice. Plan My Payoff uses simplified monthly interest math and assumes fixed rates and on-time payments. Your lender's fees, compounding method, and payment posting dates will change the real result. Check your statements or talk to a qualified professional before making decisions.