Enter your current balance, rate, and payment. See your exact payoff date and how extra payments change everything.
Enter your current balance, APR, and monthly payment. The calculator simulates month-by-month payoff until your balance reaches zero. It also runs a second simulation with your extra payment to show you the exact payoff date and interest saved.
Practical tip: Even small extra payments create a snowball effect. An extra $50/month on a $15,000 loan at 11% can cut 8 months off your term and save $600+ in interest. The scenario cards show you the difference at a glance.
Privacy note: All calculations happen in your browser. Nothing is sent to our servers.