Add your debts below, choose a strategy, and see your debt-free date instantly. Adjust extra payments to see how much sooner you could be free.
Enter at least one debt with a balance above £0 to see your debt-free date.
We simulate your debt payments month by month using either the avalanche (highest interest first) or snowball (smallest balance first) strategy. Each month, minimum payments go to all debts and any extra payment goes to the priority debt.
Avalanche pays off the highest-interest debt first, saving you the most money. Snowball pays off the smallest balance first, giving you quick wins for motivation. Both clear all debts. They just differ in order.
It's an estimate based on fixed interest rates and regular payments. Variable rates, missed payments, or changes to your debt will affect the actual date. Use it as a guide, not a guarantee.
You can, but most people focus on consumer debts (credit cards, loans, overdrafts). Mortgages have much longer terms and lower rates, so including them can make your debt-free date seem far away. Focus on high-interest debts first.
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