About

PayoffCalc is a small collection of free debt calculators. We built it after watching friends overpay on credit cards simply because they could not see the timeline. Every calculator runs entirely in your browser; nothing you type is uploaded or stored.

Our calculators are reviewed by a certified financial counselor (Jane Doe, AFC®) for accuracy of the underlying math and plain-English explanations. We are not a lender and we do not sell debt products.