Free Debt Payoff Calculator

See your debt-free date.
Before you even start.

Enter your income, balances, and rates. See exactly when each debt disappears — and how much interest you save by choosing the right strategy.

Educational purposes only. Not financial advice.

Your Income & Budget
Post-Tax Monthly Income
$
Total Min. Payments
$
% of Income Toward Debt
5%20%35%50%
Exact %
%
Monthly $ Contribution
$
Extra Above Minimums
$
Enter your income above to calculate your recommended contribution.
Your Debts 0 debts
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This is the manual version.
Lorica does it automatically.
You're about to map your debt-free date by hand. Lorica connects your accounts, builds the plan, and executes every payment — without a spreadsheet in sight.
No spam. No credit card. Just a heads-up when it's ready.
✓ You're on the list. Now fill in your debts and see what Lorica will handle automatically.
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Connects your accountsReads your balances and rates. No manual entry required.
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Builds your planAvalanche or snowball, tuned to how you actually get paid.
Executes paymentsScheduled ACH on your behalf. Set it and stop thinking about it.
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Tracks progressLive dashboard shows exactly where you stand every month.
Fill in your debts on the left and hit Calculate — then see what Lorica will automate for you.
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Prefer a spreadsheet?
Download the free Excel & Google Sheets version — same math, yours to keep and customize.
Download Free Spreadsheet →