Personal finance
Free debt snowball and avalanche calculators, loan amortization schedules, and practical payoff guides built on CFPB and Federal Reserve data.
No sign-up. No data leaves your browser. Updated 2026.
Each tool includes a worked methodology, assumptions, and common pitfalls below the numbers.
Compare the true cost of paying only the minimum against a fixed monthly payment, including the number of months and total interest.
Open calculator → Debt payoffEnter your balances and minimum payments to compare the snowball and avalanche methods side by side, with a month-by-month schedule and total interest for each.
Open calculator → Loan calculatorsEnter your gross income and monthly obligations to see your DTI ratio, how lenders typically read it, and how much room you have left.
Open calculator → Loan calculatorsEnter a loan amount, rate, and term to see the monthly payment, total interest, and how extra payments shorten the schedule.
Open calculator → Student loansModel a standard 10-year repayment against an income-driven plan to see the monthly difference, the long-run cost, and the forgiveness trade-off.
Open calculator →Practical walkthroughs with the math shown, not just conclusions.
How credit card minimum payments are calculated, why a 2% minimum can leave a balance growing, and the exact payment you need to escape the trap.
Read the guide →A math-first comparison of the snowball and avalanche methods, including worked examples, the size of the interest gap, and how to choose based on your actual debts.
Read the guide →Worked payoff scenarios for common balances, APRs, and monthly payments, with month-by-month schedules and total interest math.
Every calculator on PayoffPath is deterministic: the same inputs always produce the same output, and the formula is documented in plain language on the tool page. Where a figure depends on an external benchmark — a published rate, a statutory limit, or an industry cost range — the page cites the publisher and links to it.
We separate inputs you control (balances, rates, dimensions, weights) from assumptions we supply (default rates, waste factors, contingency percentages). Assumption defaults are deliberately conservative and every one of them is editable on the tool page, so you can substitute your own quote or local figure.
Nothing you type is transmitted. The calculations execute in JavaScript in your browser, which means the tools work offline and no personal data is collected.