See exactly when you'll be debt-free
No stress. Just a clear plan that fits your real life.
34
months until free
Your debts
Name
Balance
Rate
Min pmt
Total owed
$15,700
Extra monthly payment
Saves 33 months and $3,045 in interest
Strategy
Highest interest rate first — saves the most money overall.
Payoff timeline
34
months
Months until debt-free
$3,045
saved
Total interest saved vs. minimums only
$15,700
owed today
Starting balance
Your moment of freedom
Debt-free by March 2029
Adding $200/mo saves you $3,045 in interest and 33 months.
✨ You're closer than you think
Monthly breakdown
Credit Card
$120/mo
Car Loan
$210/mo
Personal Loan
$90/mo
Extra payment
+$200/mo
Total monthly
$620/mo
Cost of doing nothing
Minimum payments only
$5,344
in total interest
Your optimized plan
$2,299
in total interest
You save
$3,045
and 33 months sooner
Strategy comparison
Find products that fit this exact plan
Lower APR cards, balance transfer offers, and consolidation loans — matched to your debt profile so you can save even more.
Complete the Picture
While you’re comparing — don’t leave money on the table.
Balance Transfer
Stop paying 20%+ interest today
The best balance transfer cards offer 0% APR for 15–21 months — every dollar goes to principal.
Debt Consolidation
One lower payment instead of many
Consolidating at 8–12% APR beats carrying 20%+ card balances indefinitely.
High-Yield Savings
Build your emergency fund in parallel
A $1,000 starter fund prevents going back into debt when unexpected costs hit.