📅 Debt Payoff Timeline

Plan Your Debt-Free Journey

Knowing your debt-free date provides motivation and helps you plan for the future. This calculator shows exactly when you'll eliminate your debt and how much interest you'll pay along the way.

Accelerate Your Timeline

To become debt-free faster, consider increasing monthly payments, using the debt avalanche or snowball method, refinancing to lower rates, or making bi-weekly payments instead of monthly (which adds an extra payment per year).