See exactly which debt to pay first and when you'll be debt-free. Our calculator analyzes your balances, interest rates, and payments to create your optimal payoff strategy.
Three simple steps to your personalized debt payoff plan
Add each debt with its balance, interest rate (APR), and minimum payment. Takes about 60 seconds.
Tell us how much you can put toward debt payments each month. We'll optimize around your budget.
See which debt to pay first, your exact debt-free date, and how much interest you'll save.
Everything you need to take control of your debt
See exactly how much money you'll save by following the optimal payoff order.
Know the exact month and year you'll make your final payment.
Get a clear, prioritized list showing which debt to focus on next.
Watch your debt decrease and celebrate milestones along the way.
Compare Avalanche vs Snowball to find what works best for you.
Your financial data stays private. We never share or sell your information.
Everything you need to know about using the calculator
The Avalanche method (paying highest interest first) saves the most money. The Snowball method (paying smallest balance first) provides psychological wins that keep you motivated. Our calculator shows you both strategies so you can choose what works for you.
Enter your debts (balance, interest rate, minimum payment) and your monthly budget. The calculator analyzes your debts and shows the optimal order to pay them off, your debt-free date, and how much interest you'll save compared to making minimum payments only.
Yes! You can try the calculator completely free with up to 2 debts without creating an account. Create a free account to save your progress and track your debts over time. Premium features are available for users who want to track unlimited debts.
The prediction is highly accurate when you enter correct information. For best results, verify your current balances, interest rates, and minimum payments from your latest statements. The calculator assumes consistent payments—if your situation changes, update your info for new projections.
Absolutely. We use bank-level encryption to protect your data. We never connect to your bank accounts, never share your information with third parties, and never sell your data. You're in full control of what you enter.
DebtGo is designed to help you climb out of debt with a clear, personalized payoff plan.
Start Your Free CalculationNo credit card required • Takes 60 seconds