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Explore tools that help you make smarter money decisions.
Payoff Calculator
Use this calculator to estimate how long it will take to pay off your loan based on your balance, interest rate, and monthly payment. Whether you’re managing credit card debt, a personal loan, or car financing, see how long until you’re debt-free — and how faster payments can change the game.
Loan Payoff Calculator
Want to save time and interest? Try increasing your monthly payment — even slightly.
Paying off debt takes planning — and this tool helps you see the path clearly. It calculates how many months it will take to pay off a loan based on your current balance, interest rate, and the amount you plan to pay each month.
To use the calculator, enter your remaining loan balance, the annual interest rate, and the monthly payment amount you can afford. The result shows how many months (and years) it will take to pay off your debt, giving you a timeline to work toward.
This tool helps you understand how your current payment strategy affects your loan timeline. By seeing how many months are left at your current rate, you can make smarter decisions — like adding an extra $25/month or refinancing. You’re in control of your debt payoff plan.
Financial Terms:
- Minimum Payment: The lowest amount you can pay each period.
- Interest Accrual: How interest accumulates on the balance.
- Payoff Timeline: The time it takes to eliminate the debt entirely.
