Debt-free date calculator.
Find out how long it takes to pay off your debt, and the exact month you reach zero. Switch between snowball, avalanche and your own order, then drag the extra-payment slider to see how much sooner you could be done.
On top of every minimum ($525). Your monthly budget: $725
- 01Credit card$6,400 · $1,677 interestmonth 21
- 02Store card$1,200 · $331 interestmonth 23
- 03Car loan$9,800 · $1,106 interestmonth 29
Debtless rebuilds it from your real payments each month and moves your debt-free date as you go. Free on iPhone.
Move the date.
- [ 01 ]
Raise the extra
The single biggest lever. Every extra dollar goes to principal, and after each payoff it rolls into the next debt. The slider above shows the date change instantly. - [ 02 ]
Lower a rate
Call the issuer and ask, or move a high-rate balance to a 0% transfer card. Lower rates mean more of each payment reduces the balance. - [ 03 ]
Reorder
Try each method in the tabs. Avalanche is cheapest; snowball gets a debt off your plate soonest. Custom lets you put a stressful debt first. - [ 04 ]
Add windfalls
A tax refund or bonus paid to the focus debt can erase months. Enter it as a one-time bump to the balance and watch the date jump.
Why minimums take forever.
Card minimums are usually a small percentage of the balance, so as the balance falls the payment falls with it, and the finish line keeps moving away. A fixed monthly budget breaks that loop: your payment stays the same while the balance shrinks, so the share going to principal grows every month.
That is why the dashed "minimums only" line on the chart sags across the screen while the plan line dives. The full playbook is in how to pay off credit card debt.
Keep going.
Run both orders on your debts and see the difference in dollars and months.
Smallest balance first. See your payoff order and debt-free date.
Highest interest rate first. The order that costs the least.
The plain-language playbook, from first list to last payment.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. Free 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 on the App Store