Calculator
Debt Payoff Calculator
How long to clear balance with a fixed monthly payment.
Last updated 18 June 2026
How this works
How long to clear balance with a fixed monthly payment.
The calculator takes 3 inputs (outstanding, apr %, monthly payment) and produces 2 outputs (months to payoff, total interest). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.