Debt-payoff calculator
Debt has a finish line.
Enter what you owe and what you pay, and see the date this chapter ends — plus how much interest stands between you and free. No shame, just a plan.
You're debt-free in
3 yr 6 mo
42 months of steady payments.
Total interest paid
$4,770.23
Add $50.00/mo and finish in
3 yr
Nothing you type leaves your browser. Durations are estimates assuming a fixed balance, rate, and payment.
Why this matters
The borrower is slave to the lender — but not forever.
Debt feels permanent because the monthly minimum is built to keep you paying interest, not to set you free. Seeing the actual number of months — and what even a little extra each month does to it — turns a vague weight into a finish line you can run toward.
Every extra dollar you send goes straight against the balance, so it compounds in your favor. Small, steady, faithful — that's how the finish line moves closer.
Watch your debt shrink, automatically.
Connect your accounts and UniFi tracks every balance, celebrates each payoff, and keeps the finish line in view.