Debt Payoff Calculator | Inspired Budget

Your Debts 💳

Add up to 15 debts — every balance counts

Debt Name Balance APR % Min Pay

Extra Monthly Payment 🚀

Even a little extra destroys debt faster

$200

/month

$0$250$500$750$1,000

🏆

You CAN be debt free!

Here's the fastest path to financial freedom

Total Debt

Monthly Payment

🏔️

Avalanche Method

Highest interest rate first

to debt free

Total interest paid

✅ Best for: Saving the most money

⛄

Snowball Method

Smallest balance first

to debt free

Total interest paid

✅ Best for: Staying motivated

Your Payoff Order 🎯

See the recommended order to attack your debts for each strategy.

Highest interest rate first — saves the most money overall.

🔥

Compared to paying minimums only:

Time saved

Interest saved

✨ Free Challenge

7-Day Money Makeover Challenge

You've got your debt payoff plan — now let's fix the whole picture. 💪

📩 Free Bonus!

In 7 days you'll:

✅ Set up a simple, stress-free budget

✅ Find extra money hiding in your finances

✅ Stop impulse spending (without feeling deprived)

✅ Finally feel in control of your money

📩 Sign up & get the One-Page Budget Template FREE!

100% free · No spam, ever · Unsubscribe anytime

💰 While You Pay Off Debt

Put Your Savings to Work Too

The best high-yield savings accounts — updated every month.

🏦

Put your savings to work too

See the best high-yield savings accounts available right now — updated every month so you always get the highest rate.

See the Best HYSA Rates →

💡 Estimates assume fixed minimum payments for the life of each debt. In reality, some lenders (especially credit cards) lower your minimum as your balance drops — so your actual payoff may be faster than shown. Results are for educational purposes and may vary based on your lender's terms.