Debt Payoff Time Calculator

This calculator will estimate the amount of time it will take to pay off a given debt. Plus, it will also tell you the average monthly interest you will pay between now and when the debt is paid off. Learn more about accelerating your debt payoff via debt management and get a free counseling session with an experienced and certified debt counselor by filling out the form to the right.



What is your monthly payment?

What percentage interest are you paying?

What is your remaining principle balance?

Are you making “Fixed” or “Declining Minimum” payments?
Fixed Declining Minimum

Interest you pay every month:

Number of months to erase this debt:

Number of years to erase this debt: