Free tools
Free debt tools that give you a real answer
Every calculator here does genuine maths, shows your inputs and assumptions, and works without an account. Your figures stay in your browser unless you choose to save them.
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Debt Payoff Calculator
Add every debt, pick an order and see your estimated debt-free date, interest and schedule.
Open calculatorDebt Snowball Calculator
Smallest balance first, with each cleared payment rolling onto the next debt.
Open calculatorDebt Avalanche Calculator
Highest interest rate first, usually the lowest total interest cost.
Open calculatorCredit Card Payoff Calculator
One card, one payment: time to clear, interest cost and the effect of paying extra.
Open calculatorMinimum Payment Cost Calculator
See what minimum-payment-only repayment really costs compared with a fixed amount.
Open calculatorDebt-to-Income Calculator
Understand what share of your income goes towards debt each month.
Open calculatorNext in the build queue
These tools are specified and scheduled for the next phase. We would rather list them honestly than publish empty pages that do not calculate.
- Snowball vs Avalanche side-by-side page
- Loan Repayment Calculator
- Debt Consolidation Comparison Calculator
- Debt-Free Date Estimator
- Extra Payment Impact Calculator
- Interest Savings Calculator
- Basic Household Budget
- Subscription Cost Calculator
- Emergency Fund Calculator
- “Where Is My Money Going?” spending calculator
- Monthly Bill Checklist
- Printable Debt Overview
- Printable Payoff Tracker
- Basic Savings Goal Calculator
How I Cleared My Debts provides educational information, organisational tools and estimates. It does not provide personalised financial, legal, tax or regulated debt advice. Results depend on the information you enter and may not reflect lender calculations. If you are struggling with priority bills, legal action or unaffordable repayments, contact a qualified free debt-advice organisation in your country.
The eBook
“How I Cleared My Debts”
Calculators show the numbers. The eBook shows the decisions behind them.
One-time payment of $27.00