Pick a date.
We'll do the math.
Pick your debt-free date and we'll tell you exactly what it takes to get there.
Let's list your debts.
No judgment here — just getting a clear picture.
When do you want
to be debt-free?
Pick your target date — we'll figure out what it takes.
That's extra on top of your minimums.
Your payment breakdown.
Minimums plus extra — here's how the math splits.
If you only paid minimums…
The slow road, for context.
Your target saves you in interest.
Ways to find /month.
Every little bit adds up. A few starting points:
Cut subscriptions
Streaming, gym, apps — they add up fast.
Cook more at home
Even 2–3 fewer takeout meals helps.
Side gig income
Freelancing, gig work, selling unused things.
Windfalls
Tax refunds, bonuses, birthday cash.
What's next?
Having a target makes all the difference. You're on your way.
Save Your Plan
Keep your debt-free plan for reference anytime
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How the target date calculator works
Instead of wondering when you'll be debt-free, start with when you want to be free and work backward. This calculator figures out the monthly payment needed to hit your goal.
What if my target isn't realistic?
We'll tell you. If your target date requires an impossibly high payment, we'll show you:
- The minimum realistic timeframe based on your income
- What payment would be needed (even if it's high)
- Alternative dates that might work better
Tips for setting your target
- Be ambitious but realistic — pushing yourself is good, but burnout isn't
- Consider life events — job changes, moves, big purchases
- Build in buffer — life happens, so aim for a month or two early