# Debt Payoff Calculator

> A comprehensive suite of free, client-side financial calculators for debt management, mortgage planning, and personal finance.

## Core Calculators

### Debt Payoff
- **Debt Payoff Calculator (Avalanche/Snowball)**: https://debtpayoffcalculator.org/ - Compare Avalanche vs Snowball strategies in real-time with visual timeline.
- **Student Loan Payoff Calculator**: https://debtpayoffcalculator.org/student-loan-payoff-calculator.html - Federal and private loan payoff planning with forgiveness options.
- **Credit Card Payoff Calculator**: https://debtpayoffcalculator.org/credit-card-payoff-calculator.html - Single-card payoff with extra payment comparison.
- **Debt Consolidation Calculator**: https://debtpayoffcalculator.org/debt-consolidation-calculator.html - Estimate savings from consolidating multiple debts.
- **Minimum Payment Trap Calculator**: https://debtpayoffcalculator.org/minimum-payment-calculator.html - See the true cost of only paying minimums.
- **Cost of Waiting Calculator**: https://debtpayoffcalculator.org/cost-of-waiting-calculator.html - Calculate how much delaying debt payoff costs you.
- **Bankruptcy Means Test Calculator**: https://debtpayoffcalculator.org/bankruptcy-means-test-calculator.html - Chapter 7 eligibility checker based on IRS standards.

### Mortgage & Housing
- **Amortization Schedule Calculator**: https://debtpayoffcalculator.org/amortization-schedule-calculator.html - Project mortgage payoff with extra payments.
- **Refinance Breakeven Calculator**: https://debtpayoffcalculator.org/refinance-breakeven-calculator.html - Calculate when refinancing pays for itself.
- **PMI Removal Calculator**: https://debtpayoffcalculator.org/pmi-removal-calculator.html - Find when you can eliminate Private Mortgage Insurance.
- **Closing Cost Estimator**: https://debtpayoffcalculator.org/closing-cost-calculator.html - Estimate home purchase closing costs by state.
- **Reverse Mortgage (HECM) Calculator**: https://debtpayoffcalculator.org/reverse-mortgage-calculator.html - Estimate reverse mortgage proceeds for seniors 62+.
- **VA Loan Eligibility Checker**: https://debtpayoffcalculator.org/va-loan-eligibility-checker.html - Check VA loan eligibility based on service history.
- **Rent vs Buy Calculator**: https://debtpayoffcalculator.org/rent-vs-buy-calculator.html - Compare renting vs buying over 1-30 years.

### Financial Planning
- **Emergency Fund Calculator**: https://debtpayoffcalculator.org/emergency-fund-calculator.html - Calculate your "Survival Number" and time to goal.
- **Debt-to-Income (DTI) Calculator**: https://debtpayoffcalculator.org/debt-to-income-calculator.html - Calculate DTI ratio for mortgage qualification.

## Navigation

- **Home:** https://debtpayoffcalculator.org/
- **Blog:** https://debtpayoffcalculator.org/blog.html (24 articles on debt payoff strategies)
- **About:** https://debtpayoffcalculator.org/about.html

## Legal

- **Privacy Policy:** https://debtpayoffcalculator.org/privacy-policy.html
- **Terms of Service:** https://debtpayoffcalculator.org/terms.html
- **Contact:** https://debtpayoffcalculator.org/contact.html

## Technical Notes

- **Architecture:** Static HTML/JS site, 100% client-side calculations.
- **Privacy:** Zero server-side data storage, no tracking of financial inputs.
- **Performance:** Optimized for Core Web Vitals with lazy-loaded charts.
- **Accessibility:** WCAG 2.1 compliant with skip links and ARIA labels.