Plan My PayoffFree · No login · Instant
Know the exact month your debt ends.
Plan My Payoff is a free debt payoff calculator for multiple loans and credit cards at once. Enter each balance, APR and minimum payment; see the payoff date, the full month-by-month schedule, the total interest, and what one extra payment a month is really worth.
The seven calculators
Multiple cards, one plan. See every month until you're free.
Open calculatorSee how extra principal payments shorten your home loan.
Open calculatorModel a variable-rate home equity line and its payoff date.
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 calculatorWhich loan should you pay off first?
If you carry several debts — a couple of credit cards, a car loan, a student loan — the order you attack them in changes how much interest you pay in total. The avalanche method pays off the highest interest rate first and always costs the least overall. The snowball method clears the smallest balance first, trading a little extra interest for faster wins that keep you motivated. Every calculator here runs both orders on your numbers and shows the exact dollar difference, so you can pick with real figures instead of rules of thumb. Read the snowball vs avalanche guide for a worked example.
What 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
- Which loan should I pay off first?
- Mathematically, the avalanche method wins: put every spare dollar on the highest-APR debt while paying minimums on the rest. The snowball method targets the smallest balance first for motivation. Our calculators show both side by side with the exact dollar difference for your debts.
- Can I calculate a payoff plan for multiple loans at once?
- Yes. Add as many debts as you like — credit cards, car loans, student loans — each with its own balance, APR and minimum payment. You get one combined payoff schedule, plus per-debt payoff dates.
- 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.