Bring your balances
Add nicknames, balances, rates, minimums, and a total monthly payment budget. Your budget includes minimums.
A clearer picture starts here
Make a plan for your debt that feels like yours.
Compare payoff paths and see what a consolidation offer could cost.
Put your numbers side by side. See estimated dates, interest, and total payments before you decide what to do next.
Build your payoff plan No account needed
✳ Educational estimates. Save a copy to your private account dashboard.
Your next step, in view
A plan shaped around youChoose a path
A
AvalancheHighest rate first
S
SnowballSmallest balance first
One clear month at a time
Your numbers. Your call.
A little moreclarity, every month
For U.S. unsecured consumer debt
Estimates you can inspect
No lender or loan application
A plan, not a pitch
Know what each path asks of you.
Small choices add up. See the shape of the journey with the numbers you already have.
Compare your routes
Look at avalanche and snowball together. See estimated payoff dates, interest, and total payments.
Check the full cost
Enter an offer you already have and compare its payment, fees, payoff time, and total repayment.
Start with what you know
Your plan, with room to adjust.
Enter your balances, rates, minimums, and total monthly budget. The estimates update as you work; nothing here is a promise or a lender quote.
You can calculate without an account. Choose Save plan while signed in to keep a private copy in your account dashboard.
PAYOFF PLANNER
Start your first debt
Enter one unsecured debt and your total monthly budget to see a free payoff estimate. No account is needed.
Checking account
FIRST STEP
Start with one debt
Enter a nickname, current balance, APR, and minimum monthly payment. Promotional APR, its expiration date, and any fixed fee are optional. Then enter your total monthly debt-payment budget, including minimums. Estimates appear when the details are valid and the budget covers the minimums.
Choose a downloaded plan to review it before replacing this device’s saved inputs.
All balances, minimums, fees, and budgets are in U.S. dollars (USD). APR is an annual percentage rate.
Custom order has its own priority list. Changing priority keeps the debt entries in the order you entered them.
For U.S. consumers, enter debt details manually; you do not need to connect a financial account or provide account credentials.
Enter the full amount available each month for all listed debt payments, including required minimums. This is not extra on top of minimums.
Estimate the total monthly budget needed to finish by your chosen date.
This is a total monthly amount, including minimum payments. The free estimate works without an account.
Compare up to two consolidation offers
Enter the terms of offers you already have. Each estimate is available before you finish a payoff plan; PayoffHarbor does not lend, arrange loans, or negotiate with lenders.
No offers entered. Add your first offer to see its estimate. No account or completed payoff plan is needed, and offer entries are saved only in this browser.
These are educational estimates, not recommendations, lender quotes, or guarantees. The model assumes monthly payments at month end. Actual lender interest calculations, payment timing, and additional fees may differ. Do not choose an offer solely because its monthly payment is lower. Calculator entries are saved on this device. Later changes do not update a report already purchased.
A report built from your plan
Sample inputs and outcomes below are illustrative, not customer data.
Illustrative sample inputs
- Sample card A: $1,200.00 at 24% APR · $40.00 minimum per month
- Sample card B: $800.00 at 18% APR · $30.00 minimum per month
- Monthly budget, including minimums: $150.00
- Extra monthly payment on top of budget: $50.00
- Total monthly amount in extra-payment scenario: $200.00
- Selected strategy: Avalanche
- Sample offer: $2,000.00 at 14.9% APR for 24 months · $25.00 origination fee added to loan balance · $0.00 other fees
Illustrative strategy results at the entered budget:
- Avalanche: 16 months · $293.40 interest · $2,293.40 total modeled payments
- Snowball: 16 months · $326.69 interest · $2,326.69 total modeled payments
- Custom order: 16 months · $293.40 interest · $2,293.40 total modeled payments
With an extra $50.00 on top of the $150.00 budget that includes minimums, the sample uses $200.00 per month and estimates 12 months and $2,213.43 total payments. The sample consolidation offer is $2,000.00 at 14.9% APR for 24 months, with a $25.00 origination fee financed and $0.00 other known fees. It estimates $329.14 interest, $25.00 total fees, $2,000.00 net proceeds, a $98.09 monthly payment, and $2,354.14 total repayment cost.
Sample action checklist
- Check the entered $150.00 total monthly budget against $70.00 in listed minimums. After minimums, it has up to $80.00 for its Avalanche target; the budget includes minimums.
- Review debt 1 (Sample card A): $1,200.00 balance, No promotional APR entered; 24% regular APR applies from modeled Month 1., $40.00 monthly minimum, $0.00 entered one-time fee. These inputs set modeled balance, interest, and minimum allocation. Its active rate affects Avalanche target order.
- Review debt 2 (Sample card B): $800.00 balance, No promotional APR entered; 18% regular APR applies from modeled Month 1., $30.00 monthly minimum, $0.00 entered one-time fee. These inputs set modeled balance, interest, and minimum allocation. Its active rate affects Avalanche target order.
- Review the selected Avalanche projection: 16 months, $2,293.40 total payments, and $293.40 interest at $150.00 per month. Compare other strategies; payoff order changes the estimate.
- Compare adding $50.00 per month to the $150.00 budget under Avalanche: at $200.00 total per month, the model estimates 12 months, $2,213.43 total payments, 4 fewer months, and $79.97 less in total payments and $79.97 less modeled interest.
- Verify offer terms: $2,000.00 at 14.9% APR for 24 months; $25.00 origination fee financed; $0.00 other entered fees. These inputs drive the estimate.
- Compare modeled payment $98.09/month for 24 months, total cost $2,354.14, and $2,000.00 net proceeds with $2,000.00 in listed balances and entered debt fees. Proceeds cover those listed amounts.
- The offer has a lower estimated monthly payment ($98.09 versus the selected plan's $150.00 monthly budget), and its 24-month term is 8 months longer than the selected payoff estimate (16 months), but increases total estimated cost by $60.74. A lower payment alone is not a reason to choose an offer.
Your purchased checklist is generated from your entered debts, payoff estimates, selected strategy, extra-payment scenario, and Offer 1 from the free comparison, if entered. These are educational review prompts, not personalized advice.
$19USD · one-time report
This purchase provides a downloadable report generated from the validated plan snapshot captured for this purchase. Later calculator edits do not change it. No ongoing tracking or future updates are included. The calculator and on-page schedule remain free.
Optional extra above required minimum payments. This report scenario adds it on top of your total monthly budget, which already includes minimums. It changes the report comparison, not the free calculator results.
$
Create an account or sign in to continue. Checkout saves this planner snapshot with your purchase; no workspace, saved plan, or membership is required. The report and downloads use that saved snapshot.
- Detailed payoff-strategy comparisons
Detailed Avalanche, Snowball, and Custom comparisons with estimated duration, interest, and total payments.
- Consolidation-offer analysis
Analysis of Offer 1 from the free comparison, when entered, including fees, estimated payment, total cost, duration, and whether net proceeds cover listed balances and debt fees.
- Extra-payment scenarios
Compares an extra payment on top of your total monthly budget, which already includes minimums, with estimated timing, interest, and total payments.
- Downloadable payoff schedule and printable PDF
A downloadable month-by-month payoff schedule in CSV, also included in the printable PDF.
- Plain-language action checklist based on your inputs
Input-specific educational review prompts based on your balances, APRs, minimums, selected strategy and payoff estimates, extra-payment scenario, and Offer 1 from the free comparison, when entered.
Calculation assumptions used in the report
- APR ÷ 12 interest accrues monthly on each starting balance.
- At month end, interest is added, minimums are paid first, then the remaining monthly budget goes to the selected target; freed capacity rolls forward.
- The optional extra-payment scenario adds the entered amount on top of the monthly budget, which already includes minimums, and applies it to the selected strategy target.
- Minimums stay fixed at the amounts entered and are capped at the balance due.
- One-time fees are added to balances before first-month interest.
- Promotional APR applies through the entered number of modeled months, and regular APR starts in the following modeled month. Without a promotion, regular APR applies from modeled Month 1.
- When supplied, a calendar promotional expiry is captured in the snapshot and converted to whole modeled months from the report date; partial-month APR changes are not modeled.
- A supplied promotional expiry date is converted to whole calendar months for this monthly estimate; a rate change within a month is not modeled. Older saved plans that contain only months remaining keep that month count. Confirm promotional terms, interest calculations, and payment timing with the lender.
- Weekly and biweekly views split the same annual payment across 52 or 26 installments. Paying half of a monthly payment every two weeks creates 26 half-payments (13 monthly payments per year); that separate extra-payment pattern is not modeled. Early partial-payment savings are omitted.
- Consolidation assumes month-end payments; actual lender timing, calculations, and fees may differ.
- These are educational estimates, not financial advice.
Browser-saved plans stay on this device; account copies are private to your signed-in account. Do not enter account numbers, bank credentials, or Social Security numbers.
Interest is estimated monthly from APR ÷ 12 on each month’s starting balance and rounded to cents. At month end, the planner pays each listed minimum first, then directs remaining budget to the selected strategy’s target; freed payment capacity rolls to the next open debt. Minimums stay fixed as entered and are capped at the amount owed. One-time fees are added at the start, and an entered promotional APR changes to the regular APR after its stated months. Lender calculations and posting dates can differ. Estimates are not financial advice.
The full picture matters
A smaller payment can still cost more.
When you enter a consolidation offer, compare more than the monthly number. PayoffHarbor estimates the fee, interest, time to repay, and whether the net proceeds cover your listed balances.
If a lower payment stretches repayment or raises the total cost, the comparison calls that out. The offer is yours to evaluate; PayoffHarbor never chooses for you.
Compare an offer Grounded in your numbersUseful clarity.
Useful clarity.
Without the pressure.
01Educational, by design
Planning estimates, not financial advice or lender statements.
02Just the essentials
Never enter account numbers, bank logins, or Social Security numbers.
03No hidden agenda
We do not lend, negotiate, or take creditor payments.
Good to know
A few straight answers.
See what the planner can—and cannot—tell you.
Are these payoff dates guaranteed?
No. They are estimates based on the balances, rates, minimums, and monthly budget you enter. Lender interest methods, payment posting dates, changing rates, and fees can change your actual results.
Does my monthly budget mean extra on top of minimums?
No. Enter the total amount you can put toward all listed debts each month, including their minimum payments. The planner keeps minimums in the plan and directs what remains to the next debt.
Does PayoffHarbor offer or arrange loans?
No. You can enter the terms of an offer you already have to estimate its costs. PayoffHarbor does not lend, negotiate debts, collect creditor payments, submit loan applications, or sell customer information.
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