See what your debt payoff actually costs.
The debt payoff calculator compares snowball, avalanche, and minimum payments. Letters for disputes, validation, and collectors stay in the browser. Samples follow United States rules.
Try it with a $10,000 example
Three cards that add up to $10,000
Highest interest first saves $3,781.84 versus paying only the minimums.
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Highest interest first
Usually costs the least
December 2028
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Smallest balance first
Clears one debt sooner
January 2029
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Minimum payments
No extra money
January 2032
First payment October 2026. Use your own numbers
- Numbers stay on this device.
- Move the slider. The dates change.
- The dispute letter is written here.
Read the short version.
A few minutes each. Plain language, with the source at the bottom of every guide.
Paying off debt
What changes when you pay the minimum, use debt snowball, or pay the highest rate first with the debt avalanche. The comparison is interest, not a score.
Credit scores
How a credit score is built, when a balance is reported, and how a United States dispute works under the FCRA.
- What makes up your credit score 8 min
- Credit card statement date vs due date 8 min
- How to dispute a credit report error 9 min
- How to freeze your credit for free 8 min
- What is a goodwill letter? 8 min
- I paid a collection. Will it come off my credit report? 8 min
- What a debt validation letter actually asks 8 min
- What a cease-contact letter does 8 min
- What a hardship letter to a credit card company is 8 min
Loans and cards
How balance transfer fees, consolidation loans, and car dealer rate markups change what a loan costs. The fee and the end date are part of the price.