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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.

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