How long to pay off my debt?

Depends on balance, interest rate, and monthly payment. This calculator shows months to payoff and total interest. Increase payment to shorten time and save interest.

Extra payment goes toward principal, reducing balance faster. This calculator shows impact of extra payment on payoff time and interest saved.

Should I pay off high interest first?

Paying off high-interest debt first (avalanche) usually saves the most interest. Use this calculator to see payoff time for one debt or use our debt payoff calculator for multiple.

Payoff Time Calculator

Free payoff time calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Payoff Time Calculator below.

See how long it takes to pay off debt with your current or increased payment. Enter balance, rate, and payment. Free payoff time calculator for USA and worldwide.

Payoff Time Calculator कैसे इस्तेमाल करें

Enter balance and rate
Input debt balance and annual interest rate.
Enter payment
Input monthly payment (or add extra).
View payoff time
See months to payoff and total interest.

फीचर्स

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

इस कैलकुलेटर को क्यों इस्तेमाल करें

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

समर्थित ब्राउज़र और डिवाइस

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

अक्सर पूछे जाने वाले प्रश्न

Payoff Time Calculator की पूरी गाइड

What is a payoff time calculator?

A payoff time calculator estimates how many months or years it will take to pay off a loan or credit card given your balance, interest rate, and monthly payment. Increase the payment to see how much faster you can be debt-free and how much interest you save. Use it for any fixed-payment debt: personal loan, auto loan, student loan, or credit card.

अस्वीकरण

हमारे वित्तीय कैलकुलेटर केवल सूचनात्मक और शैक्षिक उद्देश्य के लिए हैं। नतीजे आपके इनपुट और मानक फॉर्मूले पर आधारित अनुमान हैं। ये वित्तीय, कर या कानूनी सलाह नहीं। हम आपके नंबर स्टोर या शेयर नहीं करते।

Payoff Time Calculator

Payoff Time Calculator कैसे इस्तेमाल करें

Enter balance and rate

Enter payment

View payoff time