Free Debt Payoff Calculator
无债务日期计算器
Enter your card balances and see your debt-free date calculated with daily interest math, the same way your bank does it.
$1.3T
US CC debt · 2026
24.9%
Avg penalty APR
$6,240
Avg interest per household
100%
Privacy · Runs locally
它是如何运作的
How it works: 4 steps to your payoff plan
1
添加您的卡
手动输入余额和年利率，或从 156 个银行模板中进行选择。没有格子，没有登录，没有共享凭证。
2
选择策略
雪崩最省钱。滚雪球可以增强动力。我们会根据您的具体情况，以实际美元向您展示。
3
查看您的日期
您的无债日期和利息节省会立即显示，每天计算 - 与您的银行的操作方式相同。
4
遵循计划
指挥中心会准确告诉您每周应支付的费用。标记付款、观察余额下降、养成习惯。
Your cards
2 cards
卡片 #1
$
%
$
mo
卡片 #2
$
%
$
mo
$
你的无债日Jan 2040
166 months until freedom
$79,568节省利息
$27,932总利息
Payoff trajectory
We use daily interest accrual (APR ÷ 365 × daily balance), matching how your bank actually charges interest.
The Science of Payoff
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.
The Math Strategy
雪崩
Pay highest APR first. Mathematically optimal.
Saves an average of $840 more than snowball.
The Brain Strategy
雪球
Pay lowest balance first. Psychologically superior.
Higher completion rates due to early psychological wins.
The Best of Both
Hybrid
Blends math and momentum. Adapts when your situation changes.
Unlock with a free account.
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.
Daily payment reminders
Balance tracking with daily interest math
Switch strategies anytime
Your data stays on your device