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Debt Payoff Calculator

See what your debt is actually costing you

How much do you owe? ๐Ÿ’ณ
Total current balance
$
Interest rate ๐Ÿ“ˆ
Annual interest rate โ€” pick a common type or enter your own
%
How much can you pay per month? ๐Ÿ’ธ
More = faster + cheaper. Minimum payment keeps you in debt longer!
$
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Total interest paid
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Total you'll repay
Full breakdown
Debt amount-
Interest rate-
Monthly payment-
Months to pay off-
Interest paid-
Total cost-

๐Ÿ’ก What if you paid more?

๐Ÿ†˜ Need help with debt? โ†’ MoneySmart.gov.au ๐Ÿ“ž National Debt Helpline: 1800 007 007 (free)

โš ๏ธ This calculator shows estimated costs only. Actual interest calculations vary by lender. For debt advice, contact the National Debt Helpline (1800 007 007) โ€” it's free and confidential.