See your payoff date, total interest, and compare payoff paths side by side.
Plan snowball or avalanche payoff, credit card interest, and auto loan payments with 2026 Fed rate presets. Runs in your browser — no signup.
Debt-free date
Feb 2029
Avalanche + $50 extra/mo
See your payoff date, total interest, and compare payoff paths side by side.
Plan snowball or avalanche payoff, credit card interest, and auto loan payments with 2026 Fed rate presets. Runs in your browser — no signup.
64%
paid off
Debt-free date
Feb 2029
Avalanche + $50 extra/mo
Snowball
Jun 2029
Avalanche
Feb 2029
Example: $2,340 less interest vs minimum-only (sample debts + $50/mo extra)
Avg credit card APR
21.52%
Accounts assessed interest, Q1 2026
Source: Federal Reserve G.19
U.S. credit card balances
$1.25T
Household debt, Q1 2026
Source: Federal Reserve Bank of New York
Your data
Stays local
Calculations run in your browser
Popular calculators
Free tools for payoff planning, credit cards, and loans.
Debt Snowball Calculator
Build a payoff order that targets your smallest balance first.
Debt Payoff Calculator
Compare snowball, avalanche, and minimum-only side by side.
Credit Card Payoff Calculator
See months to payoff and total interest at your APR and payment.
Auto Loan Calculator
Estimate monthly payment, total interest, and loan cost.
Debt-to-Income Calculator
Check front-end and back-end DTI for planning — not loan approval.
Snowball vs Avalanche
See which strategy saves more interest for your debts.
Payoff Plan
Multi-debt payoff strategies and repayment timelines.
Credit Card
Interest, payoff time, and the cost of paying only the minimum.
Auto Loan
Monthly payments, amortization, and extra-payment savings.
Personal Loan
Payment estimates and amortization for installment loans.
Guides
Plain-language explainers with calculators built in.
Why people use PaydownBase
Built for planning — not selling loans.
See interest before you commit
Every calculator shows total interest and payoff timing — not just a monthly payment.
Compare payoff strategies
Run snowball and avalanche with the same debts and extra payment budget.
Formulas you can verify
Methodology pages cite Federal Reserve rate data and standard amortization formulas.
U.S. household credit card debt held at $1.25 trillion in Q1 2026
Balances rose about 5.9% year over year in Q1 2026 — payoff planning still matters for households carrying revolving debt at assessed-interest APRs.
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, May 2026
Read our methodology →Common questions
Yes. All calculators are free, run in your browser, and do not require an account.