NoahDebt
Debt free date calculator
Free calculator. No signup. No bank login.
Calculator
What's your debt free date?
Rough math, not advice. No signup, no bank login.
Example numbers. Click a box and type yours.
Your debt free date
July 203044 months · $5,581.37 in interest along the way
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It treats all your debt as one balance with one average interest rate (APR), and you pay the same amount every month. Each month it adds interest at your APR divided by 12, then takes off your payment, until the balance hits zero. It doesn’t sort your cards into a payoff order, and it leaves out fees, new charges, rate changes, and changes to your minimums. If your payment doesn’t cover the interest, it tells you the balance won’t shrink. The result is an estimate, not financial advice.