Add your first debt to see the date you become debt-free.
Your debt-free date
Three numbers are enough:
- balance
- rate, %
- monthly payment
How it works and FAQ
How it works
- Enter your debts: name, balance, APR and minimum payment — credit cards, loans, medical bills, money owed to friends.
- Add your extra — what you can pay on top of the minimums; even $20 counts.
- Get a payoff schedule by the snowball or avalanche method: your debt-free date, total interest and the savings from paying extra.
- Log your payments — progress bars and a month streak keep you motivated until the last debt is closed.
Snowball or avalanche?
❄️ Snowball
Smallest balance first: quick wins come early, so more people actually finish the plan.
🏔 Avalanche
Highest APR first: always saves the most money.
DelDebt computes both on your numbers — plus the blizzard, cash-flow and custom orders — and shows exactly what the difference costs. More in which debt to pay off first.
Calculators
- ▭Credit card payoff calculator
- PDFPrintable debt payoff templates
- ▲Debt avalanche calculator
- ●Debt snowball calculator
- ◆Hybrid debt payoff calculator
- ✓Debt payoff tracker
- A+Student loan payoff calculator
- ⌂Pay off your mortgage in 10 years
- ⇅Pay off mortgage early or invest (recast vs. extra principal)
- ⇄Debt consolidation vs. avalanche
- $Extra payment calculator
- ▤Debt snowball spreadsheet (Excel template)
FAQ
Is snowball or avalanche better?
Avalanche (highest APR first) always saves the most interest mathematically. Snowball (smallest balance first) gives quicker wins, so more people stick with it. DelDebt computes both on your numbers and shows the difference in dollars — pick what fits your character.
Where does my debt data go?
Without signing in, your plan is stored only on this device. If you sign in, it syncs between devices through your account on our server in the EU (Finland). Tips for your debts, reading a payment schedule from a photo or PDF, and the payment calendar file are made on our servers when you ask — by the calculator's own rules, no AI services — and none of it is stored. We never sell your data.
Is this a loan, refinancing or debt settlement?
No. DelDebt doesn't lend or settle anything — it's a calculator and planner: you enter your debts, and it builds a payoff schedule, shows total interest and the date you become debt-free.
Is it really free?
The plan, schedule, calendar, progress, one unsaved what-if scenario and reading your bank's schedule from a photo or PDF are free, with no signup and no ads. Signing in adds sync and one set of personal tips a month. Warnings about dangerous situations — payments that don't cover the interest, the minimum payment trap, a payday loan that isn't first in line — are always shown for free, on top of the monthly limit. Plus, in the DelDebt app for iPhone, adds unlimited tips for your debts, what-if scenarios and a target date, Excel export of your schedule and a monthly report.
What if I can only afford the minimum payments?
Start with an honest picture: enter all your debts and look at the schedule with zero extra. Then the calculator shows how even $20–50 extra a month moves your debt-free date and cuts interest — a strong motivator to find that money.
DelDebt is a calculator and planner, not financial advice. Decisions about your credit are yours; for delinquencies and disputes consult a professional. The service is operated by an independent developer.
