Use SmartFinCalc’s debt calculator to estimate your debt payoff timeline. Compare strategies like snowball or avalanche to become debt-free faster.
Use our debt payoff calculator to figure out how long it will take to pay off your credit cards, personal loans, or any other debt. Whether you follow the snowball or avalanche method, you’ll get a clear timeline and payoff strategy.
With the snowball method, you pay off your smallest debts first while making minimum payments on larger debts. This builds momentum and motivation.
The avalanche method focuses on paying off debts with the highest interest rates first, helping you save the most on interest over time.
Yes. Our calculator allows you to enter extra monthly payments to see how much faster you can be debt-free and how much interest you’ll save.
Absolutely. You can enter multiple credit card balances and interest rates to see your custom repayment plan.