When will you be debt-free?
Enter your debts and an extra payment to see your exact debt-free date, compare the avalanche and snowball methods, and find out how much interest you'll save.
Free forever · No credit card · Saved across devices
Sample result
PreviewYou could be debt-free by
Aug 2027
2y 8m from today · $3,140 total interest
Avalanche
Interest: $3,140
Snowball
Interest: $3,690
Then redirect your $620/mo into investing: at 7% that's ~$320,000 in 20 years.
Find your own date free
Create an account to enter your debts, compare methods, and watch your payoff plan update, saved across devices.
Avalanche vs. snowball
Avalanche kills your highest-rate debt first and saves the most interest. Snowball clears your smallest balance first for a fast win. The calculator runs both. You pick the one you'll stick with.
Debt is the first step, not the goal
The real payoff is what comes next: the payment you freed up, redirected into investments, quietly compounding into wealth. The calculator shows you that number too.
How it works
List each debt's balance, interest rate, and minimum payment, then add whatever extra you can put toward them each month.
The calculator runs the avalanche and snowball payoff orders side by side and shows your exact debt-free date and total interest for each one.
Increase the extra payment and watch the date move closer, along with the interest you would save.
What to do with your result
Being debt-free is the starting line, not the finish. The moment a debt is gone, redirect its payment into investing instead of letting it quietly disappear into everyday spending. Build Real Wealth covers exactly that handoff: how much to keep in an emergency fund, what to pay off first, and how to start investing the freed-up money simply and consistently, for years.
Explore Build Real WealthFrequently asked questions
See your debt-free date.
Create a free account to build your payoff plan, then learn to turn those freed-up payments into lasting wealth in Build Real Wealth.