Debt-payoff calculator
Debt has a finish line.
Enter what you owe and what you pay each month, and see the date you're free — plus how much interest stands between you and that day. 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 unless you ask for it by email below. Durations are estimates assuming a fixed balance, rate, and payment.
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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 and steady is what moves the finish line closer — sooner than the minimum ever will.
Watch your debt shrink, automatically.
Connect your accounts and UniFi tracks every balance, celebrates each payoff, and keeps the finish line in view.