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When will I be debt-free?

Add your debts, pick a monthly budget, and see your debt-free date – snowball vs. avalanche, side by side. Free, no sign-up.

  • See the month your last payment lands
  • Compare snowball and avalanche, plus minimum payments only
  • Get a printable color-in plan for each debt (free by email)
Start with my debts
Example

3 debts · $600 a month · starting November 2026

Debt-free by
August 2028
22 months (1 year 10 months) with the avalanche method
65 months sooner
Minimums only87 months
Your plan22 months
Snowball$1,343 interest
Avalanche$1,268 interest
Example only – your numbers will differ. Estimates, not financial advice.

1. Your debts

2. Your monthly budget

Your budget must be at least the sum of your minimum payments. Everything above the minimums goes to one debt at a time.

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Get your printable plan

Want a printable plan with a color-in tracker for each debt? Get it free by email.

“My Debt-Free Plan” (PDF): your debt-free date, the payoff order, a color-in tracker for every debt and a month-by-month payment table.

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After you confirm your email, open the link on the device where you used the calculator – your numbers are saved in this browser only.

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