Free debt payoff calculators and plain-English lessons to help you pay off credit cards, car loans and your mortgage faster. No sign-up, and nothing leaves your browser.
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Getting out of debt: quick answers
What is the fastest way to get out of debt?
List every debt with its balance and interest rate, choose a payoff order, and put every spare dollar toward one debt at a time while paying the minimum on the rest. The debt avalanche (highest interest first) saves the most interest; the debt snowball (smallest balance first) builds momentum. Run both calculators to see your own debt-free date.
Debt snowball vs debt avalanche: which is better?
The avalanche usually costs less in interest because it attacks the highest rate first. The snowball pays off small balances sooner, which keeps many people motivated. The best method is the one you will stick with; compare them with your real numbers in the snowball and avalanche calculators.
Are these debt payoff calculators free?
Yes. Every calculator on Hack Your Finances is free, runs in your browser and needs no sign-up.