Target Date Calculator

Pick your debt-free date, and we'll tell you exactly what it takes to get there.

Your progress

Let's list your debts

No judgment here — just getting a clear picture.

Total debt:
Monthly minimums:

When do you want to be debt-free?

Pick your target date — we'll figure out what it takes.

That's months from now

That's a very aggressive timeline

We'll calculate it, but the required payment might be quite high. That's okay — knowing the number helps you plan.

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.

Great for goal-setters

Have a milestone in mind? Wedding, home purchase, retirement? Set that as your target and see what monthly payment gets you there.

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