Payoff Time Calculator
Free payoff time calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Payoff Time Calculator below.
See how long it takes to pay off debt with your current or increased payment. Enter balance, rate, and payment. Free payoff time calculator for USA and worldwide.
How to use Payoff Time Calculator
Enter balance and rate
Input debt balance and annual interest rate.
Enter payment
Input monthly payment (or add extra).
View payoff time
See months to payoff and total interest.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to Payoff Time Calculator
What is a payoff time calculator?
A payoff time calculator estimates how many months or years it will take to pay off a loan or credit card given your balance, interest rate, and monthly payment. Increase the payment to see how much faster you can be debt-free and how much interest you save. Use it for any fixed-payment debt: personal loan, auto loan, student loan, or credit card.
Related calculators
- Credit Card Payoff Calculator
Free credit card payoff calculator. Pay off credit card debt faster. USA & worldwide.
Calculate → - Loan Payoff Calculator
Free loan payoff calculator. See how extra payments reduce payoff time and total interest. USA & worldwide.
Calculate → - Debt Payoff Calculator
Free debt payoff calculator. Pay off debt faster. Snowball vs avalanche. USA & worldwide.
Calculate →
Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.