Dollar Math

Free calculator

Your debt-free date.
To the month.

Add your debts, set what you can pay each month, and compare snowball and avalanche side by side.

Try the calculator Get the Google Sheet

Free. Private. No sign-up. Everything runs in your browser.

Debt-Free Date Calculator

See when you'll be debt-free.

Your debts

NameBalance ($)APR (%)Minimum ($)

Your results

SnowballAvalancheMinimums only

Payoff order

    Your numbers never leave this page. Estimates assume a fixed APR and on-time payments.

    Free Google Sheet

    Take it with you.

    Get the Debt-Free Date Calculator as a Google Sheet. Plus 5 short emails on paying off debt faster. Unsubscribe anytime.

    Snowball vs avalancheUp to 6 debtsPayoff orderGoogle Sheets

    The Money Dashboard

    Your whole money life.
    One spreadsheet.

    Budget, bills, paychecks, debt payoff, sinking funds and net worth. All connected, all automatic. Made for Google Sheets.

    $19 one-time · yours forever

    Get the Money Dashboard
    Money Dashboard: monthly overview Debt payoff planner with snowball and avalanche Monthly budget with 50/30/20 check

    Monthly budget

    Plan every dollar and log spending. A 50/30/20 check turns red the moment you drift.

    Bills that tick themselves

    Enter each bill once. Log the payment and it's marked paid. A calendar shows what's due when.

    Paycheck plan

    Weekly, every 2 weeks or twice a month: see which bills each paycheck covers and what's left.

    Debt payoff planner

    Snowball, avalanche or your own order, up to 10 debts. A progress bar fills as you pay.

    Sinking funds

    How much to set aside each month for every goal. Tick it when you do.

    Dashboard

    Spending, bills paid, next payday, debt-free date and net worth on one screen.

    Questions

    Snowball or avalanche: which is better?

    Avalanche (highest APR first) usually costs less interest. Snowball (smallest balance first) pays off your first debt sooner, which keeps many people going. The calculator shows both, so you can see the real difference for your numbers and pick the one you'll stick with.

    Is this financial advice?

    No. Dollar Math makes educational tools. Results are estimates that assume a fixed APR and on-time payments; your lender's numbers may differ slightly. For advice about your situation, talk to a qualified professional.

    What happens to the numbers I type?

    Nothing leaves your device. The calculator runs entirely in your browser. The spreadsheets live in your own Google Drive.

    Does it work in Excel?

    No. Both spreadsheets are made for Google Sheets, which is free with a Google account and also runs in the Google Sheets app on your phone. They use Google-only features, like checkboxes and in-cell progress bars.

    My minimum payment is lower than the interest. What then?

    Then that debt grows on minimum payments alone, and the calculator shows 30+ years. Paying anything extra each month fixes it. The calculator shows by how much.