Run the Numbers.
Make Better Decisions.

Enter your balance, rate, and payment. See payoff date and how extra payments slash interest.

Pay smallest debts first, roll the payment into the next. See total time and interest saved.

Pay highest-interest debts first. The mathematically optimal approach to eliminating debt.

How long to pay off your debt at current pace, and how much you save by paying faster.

Full payment breakdown, loan amortization, and total cost before you sign anything.

Increase your monthly payment and see exactly how many months and dollars you save.

Got a bonus, tax refund, or birthday money? Add it and see the payoff impact.

Use a loan to pay down your balance in chunks. Model multiple loans and the time savings.

Add extra principal to monthly payments and see how many months and thousands of dollars you save.

Compound interest with ongoing contributions, tax rate, and inflation adjustment. Full monthly schedule included.

Is redeeming for a hotel, flight, or rental a good deal? Compare your points to straight cash back.