Loan payoff calculator.
Any fixed-rate loan. Enter the balance, rate and payment, add extra payments or a lump sum, and see how early you are done and how much interest you skip.
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.
What to enter.
- [ 01 ]
Balance owed
The current principal from your statement or the lender's app, not the original amount borrowed. - [ 02 ]
Rate and term
The APR, and either the months left or your regular payment. Either one lets the calculator rebuild the schedule. - [ 03 ]
Extra and lump sum
What you can add each month, and any one-off amount you can pay now. - [ 04 ]
Read the results
New payoff month, months sooner, interest saved, and the chart of both balances over time.
Loans this works for.
Any loan where interest is charged monthly on the remaining balance: car loans, personal loans, student loans with a fixed rate, mortgages, and buy-now-pay-later plans that charge interest. Dedicated pages with matching defaults: car loan, personal loan, mortgage.
Credit cards are different because the minimum payment changes every month. Use the credit card minimum payment calculator for those.
Keep going.
Pay the car off early and see the interest you skip.
Extra payments and lump sums on a fixed-rate personal loan.
What extra principal does to a 30-year loan, in years and dollars.
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