Free debt payoff calculator

How long until you're debt-free?

Enter your balance, interest rate and monthly payment. You'll see your payoff date, the interest it costs you, and how much faster you could be done.

No sign-up Nothing leaves your device Takes 30 seconds
$
%
Credit cards average around 21–23%. Check your statement for yours.
$
You'll be debt-free in
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Your payment doesn't cover the monthly interest, so this balance never goes down. Try at least $0 a month.
$0Interest you'll pay
$0Total you'll pay
0Monthly payments
What if you paid a little more each month?
 
Estimates assume a fixed rate and no new charges.Have several debts? Snowball calculator →

You could be debt-free sooner.

The calculator shows the destination. BudgetBoost is how you get there: it finds the extra money in your budget and keeps you on track every month.

  • Your full payoff planEvery debt in snowball or avalanche order, with exactly what to pay each month.
  • A budget that finds the moneyPlan each paycheck, track your spending and see where the extra payment comes from.
  • Cut what you don't useSee every subscription's yearly cost and put that money toward your debt.
Your current pace
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With +$100/month
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Get my full plan · $19
One payment · 14-day money-back guarantee
Your calculator numbers carry over to the app
Instant accessYour app opens right after checkout
Private by designYour budget stays on your device
Secure checkoutPayments processed by Shopify
14-day guaranteeNot for you? Full refund
The app

See where every dollar goes

BudgetBoost is a budgeting and debt payoff app for your phone and computer. Simple enough to use every day, so you actually keep using it.

Monthly budgetGive every dollar a job, log spending in seconds and see what's left in each category.
Debt payoff planAll your debts, snowball or avalanche, with a live debt-free date that moves as you pay.
Paycheck plannerAssign bills to each paycheck so you know what's safe to spend until the next one.
Savings goals & subscriptionsHit every goal on time and find the subscriptions you forgot you're paying for.
Coming soon to Pro

Connect your bank safely. Skip the typing.

With BudgetBoost Pro, your transactions import and sort themselves into your budget. Connections run through Plaid, the bank-connection service many finance apps use.

Read-onlyBudgetBoost can see transactions and balances. It can never move money.
Your login stays with your bankYou sign in through Plaid. We never see or store your username or password.
Disconnect anytimeOne tap removes the connection. Bank access is encrypted, never sold.
Pricing

Stop renting your budget

Popular budgeting apps charge around $100 every year. BudgetBoost is one payment.

Typical budgeting app
Annual subscription
$109/ year
$545 over 5 years
  • ✕Charged again every year
  • ✕Needs your bank login to work
  • ✕Prices go up over time
Best value
BudgetBoost
Everything, one payment
$19once
$19 over 5 years
  • ✓Budget, spending tracker, debt payoff plan, paycheck planner, goals, subscriptions
  • ✓No subscription, ever
  • ✓Works without your bank login
  • ✓Phone and computer
Coming soon
BudgetBoost Pro
For people who want it automatic
$4.99/ month
Cancel anytime
  • ✓Everything in BudgetBoost
  • ✓Connect your bank: transactions import automatically
  • ✓Sorted into your budget categories
  • ✓Read-only: nothing can move your money
14-day money-back guarantee. If BudgetBoost isn't for you, email us within 14 days for a full refund.
Typical price based on YNAB's annual plan ($109/year as of November 2026). Other apps vary.
Questions

Good to know

How do I get the app after I buy?

It opens right after checkout, and your order email has a button that takes you straight in. On a new phone or computer, sign in with your checkout email and a one-time code. No password to remember.

Will my calculator numbers carry over?

Yes. When you open the app on the same device, your debt is already there so you can pick up where you left off.

Do I have to connect my bank?

No. The $19 app works without connecting anything. You add spending in a couple of taps. Bank connection is optional with BudgetBoost Pro.

Is connecting my bank safe?

Bank connections in Pro are read-only and run through Plaid. You sign in to your bank through Plaid, and BudgetBoost never sees or stores your bank username or password. You can disconnect anytime.

Does it work on iPhone and Android?

Yes. It runs in Safari or Chrome on any phone and on any computer. Add it to your home screen and it opens like an app.

What if it's not for me?

Email us within 14 days of buying and we'll refund you in full.

Is this financial advice?

No. BudgetBoost is a planning tool. Payoff dates are estimates that assume fixed interest rates, on-time payments and no new charges.

Your debt-free date is waiting.

$19 once · Instant access · 14-day money-back guarantee

Get BudgetBoost