Debt calculators for getting it gone.
Payment, total interest, and payoff date for every kind of borrowing — plus the breakeven math on refinancing and the honest ceiling on what a house costs.
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Debt & Loans calculators
Mortgage Payment Calculator
Monthly P&I, taxes, insurance, HOA — plus total interest and payoff date.
Debt Payoff Calculator
Avalanche vs snowball across all your debts — see the day each one dies.
Credit Card Payoff Calculator
Payoff time and total interest — and what paying more each month actually saves.
Auto Loan Calculator
Payment, total interest, and total cost after down payment, trade-in, and sales tax.
Student Loan Payoff Calculator
Payoff date and interest saved when you throw an extra payment at it.
Refinance Breakeven Calculator
Monthly savings, breakeven month, and lifetime cost of refinancing your mortgage.
Home Affordability Calculator
Max home price you can afford at a given DTI — with the payment breakdown behind it.
How to use the debt & loans calculators
Every loan calculator here reports total interest alongside the monthly payment, because the payment is the number lenders advertise and the interest is the number that actually leaves your account. The payoff calculators compare avalanche against snowball across all your balances at once and show the month each individual debt dies.
On the housing side, the mortgage calculator includes taxes, insurance, and HOA rather than principal and interest alone, home affordability works from a debt-to-income limit, and the refinance calculator finds the month where closing costs are finally repaid by the lower payment.
Every calculator on this page keeps your inputs in the URL, so you can bookmark a scenario or send it to someone else and they will see the exact same result.