Car loan payoff calculator.
Pay your car off early. Enter the balance, rate and months left, add an extra monthly payment or a lump sum, and see the new payoff date and the interest you never pay.
Paid on top of the regular payment, straight to principal.
Debtless keeps all your debts on one plan and moves your debt-free date as you pay. 7-day free trial on iPhone.
Three ways to finish early.
- [ 01 ]
Round up
Pay $500 instead of $469, every month, forever. Small, automatic, and it compounds. - [ 02 ]
Lump sums
A tax refund or bonus straight to the loan. Enter it above and watch the date move. - [ 03 ]
Extra principal
Tell the lender the extra is for principal, not for next month's payment. Check the statement the month after. - [ 04 ]
Check the order
If you also carry a card at 25%, the card comes first. The avalanche calculator lines everything up.
Before you pay extra.
- Check for a prepayment penalty in the loan agreement. Most auto loans have none, but some do.
- Make sure the loan uses simple interest. Precomputed-interest loans do not reward early payoff.
- Keep a small emergency fund so the extra payment does not turn into new card debt.
- Higher-rate debt first. Compare on the avalanche calculator.
Keep going.
Any loan: how soon you're done with extra payments or a lump sum.
Extra payments and lump sums on a fixed-rate personal loan.
Highest interest rate first. The order that costs the least.
Excel and Google Sheets calculator with extra payments and a lump sum.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. 7-day free trial on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free download · 7-day free trial