Calculadoras de pago de deudas

Two ways to use this. Tell us your monthly payment and we will tell you when the card is paid off and what it costs in interest. Or tell us when you want to be done and we will tell you what monthly payment you need. Both modes run on the same amortization math, and both run free in your browser.

The debt avalanche orders your payoff by APR — highest interest rate first. It is mathematically optimal: same monthly payment, less total interest, often months sooner debt-free. It is the method for people who want the cheapest path and can wait for the first win. Enter your debts and see the schedule.

Every consolidation pitch sounds like savings. The math says otherwise surprisingly often — fees, longer terms, and post-promo rates eat the headline rate. This calculator finds your break-even APR: the single number an offer has to beat before it deserves your signature.

The debt snowball orders your payoff schedule by balance — smallest first — so you get visible wins early in the plan. Enter your debts below, set your monthly payment, and see exactly when each one disappears. If you have ever abandoned a payoff plan because it felt endless, this is the method designed around that problem.

Lenders use your debt-to-income ratio to decide whether to approve a mortgage, refinance, or large personal loan. Under 36% is the comfortable zone, 36 to 43% is acceptable, above 43% gets tight. Enter your numbers and see where you land. The math takes thirty seconds; knowing your number before a lender does is the point.

An extra $100 per month does not feel like much. But on a high-APR balance, that $100 routinely pulls the payoff in by years and saves four figures in interest. See exactly what your extra payment is worth before you commit the money — the motivation tends to take care of itself once the number is real.

Both methods reach debt-free using the same monthly payment. The difference is the order — snowball pays the smallest balance first, avalanche pays the highest APR first. Which one wins depends entirely on your numbers, which is why this page starts with a calculator instead of an opinion. Enter your debts and see the gap for your specific portfolio.