Free Debt Payoff Calculator

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

Enter your income, balances and rates to see an estimated payoff date for each debt and compare two payoff orders.

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 a suggested contribution.
Your Debts 0 debts
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This is the manual version.
Lorica is built to do it automatically.
You're about to map your debt-free date by hand. Lorica is built to connect your accounts, build the plan and send every payment for you.
No card needed. Just a heads-up when it's ready.
You're on the list. Now fill in your debts and see what Lorica is built to handle for you.
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Connect your accountsLorica is built to read your balances and rates.
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Your plan, your orderLorica suggests the highest interest first. You choose the order.
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Built to send your paymentsLorica is built to move the amount you set when your pay arrives and pay your cards.
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A view of your progressLorica is built to show your payoff progress and estimated interest saved.
Fill in your debts on the left and hit Calculate. Then see what Lorica is built to 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 →