Calculators
Model it before you commit
Move the numbers until they tell the truth — what steady saving becomes, what a mortgage really costs, and how fast debt actually clears.
Example balances — replace with your own. Assumes fixed APRs, no new charges or fees, and a fixed total payment budget. Payments freed by paid-off debts roll into the next balance.
Extra payment each month
$
Payoff strategy
Debt free in
4y 1m
49 monthly payments
Interest paid
$7,111
Interest saved
$7,608
Compared with the same budget, no extra payment ($14,719 interest)
Time saved
2y 5m
No extra payment: 6y 6m
Payoff order
- 1Card balance
- 2Auto loan
- 3Student loan