Get a clear debt payoff plan in under 2 minutes.
Based on your inputs, compare repayment strategies, estimate interest savings, and see practical next steps. You are not behind. You are building a plan.
Your calculations stay private unless you choose to save your plan by email.
What you get in one view
- Estimated snowball vs avalanche timeline and interest comparison
- Estimated time saved and potential interest saved
- Plain-English summary of what to do next
- Optional email summary if you choose to save your plan
How it works
Three steps to a practical plan.
1) Enter your debt details
Add balances, APRs, minimum payments, and any extra monthly budget.
2) Compare estimated outcomes
See timeline and interest differences between repayment strategies.
3) Choose your next step
Use the summary to decide what you could do next with confidence.
Why users trust Payoff Compass
Guidance, not pressure. Educational estimates, not regulated financial advice.
Transparent calculations
You can see how we estimate interest, timeline, and monthly impact based on your inputs.
No sign-up required
Run both calculators without creating an account. Save by email only if you choose to.
Supportive, practical guidance
Recommendations are framed as options to consider, not guarantees or regulated advice.
Explore tools and guides
Debt payoff calculator
See estimated side-by-side payoff outcomes and compare interest impact.
See my estimated payoff timelineBalance transfer calculator
Estimate transfer fee impact, break-even timing, and potential savings.
Compare options that could reduce interestFrequently asked questions
Do I need to sign up before using the calculators?+
No. You can run your calculations without signing up.
Are these results guaranteed?+
No. Results are estimated and based on your inputs.
Is Payoff Compass regulated financial advice?+
No. Payoff Compass provides educational tools and estimates, not regulated advice.
How do you make money?+
Some links are partner links. We may earn a commission at no extra cost to you.
Will my data be shared?+
Your calculations stay private unless you choose to save your plan by email.
Should I choose snowball or avalanche?+
It depends on your goals. Snowball may help motivation, while avalanche may reduce interest faster.