Free debt payoff calculator
What if you paid a little more?
Compare your current monthly payment with an extra contribution. See the estimated debt-free date and interest difference before changing your plan.
With the extra payment
Your estimated path
Estimate assumes a fixed rate compounded monthly, the same payment every month, no fees, and no new spending. Your lender’s calculation may differ. This is an educational tool, not financial advice.
Make the estimate useful
Small changes become visible when you give them a date.
What does the calculator show?
It estimates how many monthly payments it may take to clear one balance, how much interest may accumulate, and how an additional monthly payment changes both. If your payment does not cover the first month’s interest, the calculator will tell you instead of showing a misleading finish date.
Which debts can I estimate?
Use it for a credit-card balance, personal loan, or another debt with a known balance and annual interest rate. For fixed instalment plans with fees instead of interest, use the lender’s official repayment schedule.
Why track it in Keel?
A calculator shows one scenario. Keel keeps the finish line beside the rest of your cards, loans, instalments, and recurring commitments—so the plan stays connected to your actual month.
Turn the estimate into a clearer picture
See every finish line together.
Keel is free on iOS and Android. No account or bank connection required.
