We built a simple, honest tool that shows you exactly when you'll be debt-free and how much you'll save — no signup, no fluff, no judgment.
Add each debt — balance, interest rate, and minimum payment. Takes less than 2 minutes.
We calculate your debt-free date using four different payoff strategies and show you which saves the most.
Get a full 7-page personalized report with your payment schedule, what-if scenarios, and milestone tracker.
We calculate all four major debt payoff methods and show you exactly how much each costs.
Mathematically optimal. Saves the most in total interest paid.
Builds momentum. Best for staying motivated with quick wins.
Tackles your biggest liability head-on. Reduces total exposure fastest.
Frees up minimum payments fastest. Best for improving monthly cash flow.
All calculations run entirely in your browser using JavaScript. Your debt balances, interest rates, and payment amounts are never sent to our servers. We never see your financial data.
The only time data leaves your browser is when you choose to purchase a PDF report — and even then, only payment confirmation passes through our systems. Your financial details stay on your device.
ClearMyDebt is a product of Weelco Inc., a technology company focused on building practical financial tools for everyday people. We believe that understanding your debt shouldn't require a financial advisor or expensive software.
Have questions or feedback? We'd love to hear from you — reach out here.
Free to use. No signup. Results in seconds.
Calculate My Payoff Date