About Debt Payoff Calculator
Minimum payments on several balances can hide years of extra interest. Add each debt, set extra money per month, and compare highest-APR, smallest-balance, custom, and minimum-only paths.
Every result is calculated in your browser from the rates and amounts you type. Haivix does not fetch market prices, foreign-exchange rates, tax tables, or lender quotes.
Frequently Asked Questions
Avalanche pays the highest APR first to minimize interest. Snowball pays the smallest balance first for quicker wins. Custom lets you set the order.
After each minimum payment, leftover cash is applied to the current target debt. When a debt is cleared, its former minimum is rolled into the extra pool.
Yes. Download a CSV of the month-by-month payoff schedule.
It is an estimate using monthly compounding on the APR you enter. Fees, promotional rates, and due-date differences can change real interest.