Debt sucks. Clarity helps.
Build your debt payoff roadmap — free, private, judgment-free.
How It Works
Three simple steps to your debt-free roadmap
Enter Your Debts
Add each debt: the balance, APR, and minimum payment. Takes about 2 minutes. Your data stays in your browser only—we never see it.
Compare Strategies
See Snowball (smallest first) vs Avalanche (highest APR first) side-by-side. Which saves more money? Which feels more motivating? You decide.
Download Your Plan
Get your month-by-month roadmap as a PDF. See exactly when each debt disappears and when you'll be completely debt-free.
Credit Card Calculators
Understand your credit card costs and payment strategies
Credit Card Interest Calculator per Month
Calculate exactly how much interest you'll pay each month on your credit card balance. Enter your current balance, APR, and monthly payment to see how much goes to interest vs principal. This tool helps you understand the true cost of carrying a balance.
Calculate Monthly Interest →Credit Card APR Calculator
Understand how your credit card's Annual Percentage Rate affects your payments. This calculator shows you the true cost of borrowing and helps you compare different APR offers. See how different APRs impact your monthly payments and total interest paid over time.
Calculate APR Impact →Our Free Calculators
Everything you need to understand and tackle your debt
Debt Payoff Planner
Our most popular tool. Enter all your debts and see both Snowball and Avalanche strategies side-by-side. Adjust your extra monthly payment to see how much faster you could be debt-free. Download a month-by-month PDF plan.
Try Debt Payoff Planner →Credit Card Interest Calculator
See exactly how expensive carrying a balance really is. Enter your balance, APR, and payment to understand how much goes to interest vs principal each month. Eye-opening for anyone stuck in the minimum payment trap.
Calculate Interest Costs →Debt-to-Income Ratio (DTI)
Lenders look at your DTI when deciding whether to approve you for credit. Calculate yours to understand if you're overextended. Healthy DTI is below 36%. Above 43%? You need urgent action.
Check Your DTI →Consolidation Estimator
Considering a consolidation loan? Model what it looks like to roll multiple debts into one fixed payment. Compare your current path vs consolidated. Not a recommendation—just math to help you decide.
Estimate Consolidation →Why DebtCalculators.app?
Completely free, completely private, completely judgment-free debt planning
Compare Strategies
See Snowball vs Avalanche side-by-side. Which saves you more money? Which feels more motivating? Your choice.
See Your Timeline
How many months until debt-free? What if you add £50 extra per month? Get real numbers, not guesses.
100% Private
Your debt info never leaves your device. We don't store it. We don't share it. We literally can't see it.
Download Your Plan
Get a clean PDF of your debt payoff roadmap. No ads, no branding. Just your private plan to keep or share.
Your Data Stays Yours
We mean it. When you enter your debt information into our calculator, it's saved in your browser's local storage only. We don't have servers storing your balances, APRs, or payment amounts. We can't see your data because we never receive it.
If you clear your browser data or use a different device, your saved information won't be there—because it was never sent to us in the first place. This is completely private by design, not just by promise.
Why does this matter? Debt is personal. Stressful. Sometimes embarrassing. You shouldn't have to trust a random website with your financial situation. So we built it so you don't have to trust us—your numbers literally never leave your device.
Common Questions
Is this really free?
Yes. Completely free. No hidden fees, no signup required, no credit card needed. We display ads to keep the lights on, but the debt calculators themselves are free and always will be.
How accurate are the calculations?
The math is solid—we calculate compound interest, payment allocation, and payoff timelines the same way lenders do. However, real life has variables we can't account for (fees, rate changes, minimum payment adjustments). Use these as planning estimates, not guarantees.
Will you recommend specific lenders or credit products?
No. We're not a lender. We don't sell credit products. We're a planning tool. For personalized financial advice or product recommendations, please consult a qualified financial advisor or nonprofit debt counselor.
What's the difference between Snowball and Avalanche?
Snowball: Pay off your smallest balance first, regardless of interest rate. Provides quick wins and motivation.
Avalanche: Pay off your highest interest rate first. Saves you the most money long-term.
Both work. Snowball is better if you need early victories to stay motivated. Avalanche is better if you want to minimize total interest. Our calculator shows you both so you can choose what fits your personality.
Should I consolidate my debts or pay them separately?
It depends. Consolidation can simplify payments and potentially lower your interest rate—but only if you qualify for good terms and don't run up the cards you just paid off. Use our Consolidation Estimator to model both scenarios with your actual numbers. Then talk to a financial advisor before making big decisions.
Why is my balance barely moving even though I pay every month?
Interest. If you're only making minimum payments on high-APR debt (like credit cards at 18-25%), most of your payment goes to interest charges rather than reducing your balance. The good news: even adding £20-50 extra per month directly to principal can dramatically speed up your payoff. Try our calculator to see the difference.
You're not failing. You're taking control.
Debt is overwhelming. But when you can see the numbers clearly, you can make a plan. And when you have a plan, you have hope.
Build Your Free PlanLast updated: February 2026
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