Your Free Toolkit for Financial Freedom
Standard Financial Math. Radical Transparency. 100% Private.
Our Free Financial Calculators
Each tool is designed to answer a specific financial question and help you make smarter decisions.
Debt Payoff Calculator
Compare Avalanche vs. Snowball strategies. See your exact debt-free date and how much interest you'll save.
- ✓ Side-by-side method comparison
- ✓ Visual payoff timeline
- ✓ Extra payment scenarios
Consolidation Savings
Find out if a consolidation loan actually saves you money—or costs you more in the long run.
- ✓ Before vs. after comparison
- ✓ Total interest savings
- ✓ Monthly payment impact
Minimum Payment Trap
See the shocking true cost of only paying minimums. Discover how long you'll really be in debt.
- ✓ True payoff timeline
- ✓ Total interest exposed
- ✓ "What if" extra payment
Refinance Breakeven
Calculate how many months until your refinance pays for itself. Know if it's worth it before you commit.
- ✓ Breakeven month calculation
- ✓ Closing cost recovery
- ✓ Long-term savings view
PMI Removal Tool
Find out when you can drop PMI and stop paying for insurance you no longer need.
- ✓ Removal date estimate
- ✓ Equity milestone tracker
- ✓ Supports FHA, Conv, VA
Credit Card Payoff
Stop drowning in interest. Create a custom plan to pay off your credit cards faster and cheaper.
- ✓ Optimized payment strategies
- ✓ Interest saving simulations
- ✓ Debt-free date projection
DTI Ratio Calculator
Check your Debt-to-Income ratio before lenders do. See if you qualify for a mortgage or loan.
- ✓ Front-end & Back-end ratios
- ✓ Mortgage eligibility check
- ✓ Loan approval readiness
Student Loan Payoff
Crush your student debt. Standard formulae to verify your servicer's numbers.
- ✓ Multiple loan support
- ✓ Extra payment calculator
- ✓ Payoff date estimation
Amortization Schedule
Visualize every single payment. See how much principal vs interest you pay each month.
- ✓ Full printable schedule
- ✓ Yearly breakdowns
- ✓ Interest tracking
Bankruptcy Means Test
Preliminary check to see if you qualify for Chapter 7 based on your state's median income.
- ✓ State-specific data
- ✓ Household size adjustments
- ✓ Instant eligibility check
Closing Cost Estimator
Avoid surprises at the signing table. Estimate standard closing fees and prepaid items.
- ✓ Lender & 3rd party fees
- ✓ Escrow setup estimates
- ✓ Cash to close calculation
Rent vs Buy
The ultimate housing decision tool. Compare total costs over time including equity and appreciation.
- ✓ 30-year projections
- ✓ Appreciation customization
- ✓ Breakeven timeline
Emergency Fund
Calculate exactly how much safety net you need based on your essential monthly expenses.
- ✓ Expense categorization
- ✓ 3-6 month targets
- ✓ Peace of mind planning
Cost of Waiting
See the mathematical cost of delaying your investments. The power of compound interest explained.
- ✓ Investment projection
- ✓ Loss calculation
- ✓ Time-value of money
Reverse Mortgage
Estimate your eligibility and borrowing power for a HECM reverse mortgage.
- ✓ Principal limit calculation
- ✓ Age-based factors
- ✓ Equity release estimate
VA Loan Checker
Quickly check standard eligibility requirements for VA home loan benefits.
- ✓ Service length checks
- ✓ Discharge status
- ✓ Benefit explanation
Not Sure Where to Start?
Our main Debt Payoff Calculator is the best place to begin your journey to financial freedom.
Start Your Plan →Our Mathematical Standards
Accuracy is not optional. Every tool on this site is built using standard Fixed-Rate Amortization Formulas and Present Value Algorithms utilized by global lending institutions. By performing all calculations in your browser’s local environment (Client-Side JS), we ensure your sensitive financial data is never transmitted to a server or stored in a database.
Our Full-Spectrum Analysis Approach: While most bank tools focus on monthly payments to encourage borrowing, our tools are engineered to reveal the Lifetime Interest Impact and the Interest Trap—the hidden costs often obscured by long-term debt extensions.
Our Mission
We believe financial tools should be free, private, and honest.
100% Free, Forever
No hidden fees, no premium tiers, no paywalls. Every calculator is completely free.
Privacy First
All calculations happen in your browser. We never see, store, or sell your data.
Clear & Honest
No confusing jargon. Just straightforward tools that tell you what you need to know.
DebtPayoffCalculator.org was born out of a personal need to simplify the complex math of financial freedom. As an independent developer, I realized that the best way to fight debt is through clarity. These tools are built as static, lean "Utility Machines"—no tracking, no signups, and no hidden agendas. We believe that if you can see the math, you can beat the debt. Our goal is to provide the same precision math used by banks, but with a focus on your net worth, not their profit.
Read Our Financial Guides →Our Commitment to Accuracy
Financial decisions are critical. That's why every calculator and article on this site is rigorously researched and verified against current financial formulas and lending regulations.
Editorial Standards & Accuracy
The DebtPayoffProject Methodology
Our tools are built on standard financial amortization formulas used by major lending institutions. We prioritize mathematical accuracy and user privacy over opinion. We explicitly do not offer investment or legal advice.
DISCLAIMER: These tools are for educational purposes only. We are not financial advisors, and these calculations should not be considered professional financial advice.
Ready to Start Your Debt-Free Journey?
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