Debt-Free Date Calculator
Enter your card balances and see your debt-free date calculated with daily interest math, the same way your bank does it.
How it works: 4 steps to your payoff plan
Add your cards
Enter balances and APRs manually, or pick from 156 bank templates. No Plaid, no login, no sharing credentials.
Pick a strategy
Avalanche saves the most money. Snowball builds momentum. We show you both — in real dollars, for your exact situation.
See your date
Your debt-free date and interest savings appear instantly, calculated daily — the same way your bank does it.
Follow the plan
The Command Center tells you exactly what to pay each week. Mark payments, watch balances drop, build the habit.
Your cards
Payoff trajectory
We use daily interest accrual (APR ÷ 365 × daily balance), matching how your bank actually charges interest.
Two strategies.
We'll show you the numbers for both.
Banks charge interest daily. The order you pay off your cards changes how much you pay in total. Pick the approach that fits how you think.
Take your plan off the calculator
Create a free account and get a daily payoff plan based on your exact balances. No bank login, no subscription required to start.