DebtClear: Payoff Calculator

Credit card debt, loans and different payment dates can be hard to keep straight. DebtClear is a debt payoff calculator and debt tracker for the balances you already have. See this month's payments, then test a repayment plan using your own figures.

Run the numbers for your cards and loans
Enter each remaining balance, regular payment and first due date. Use the credit card payoff calculator for one card or several. The loan payoff calculator lets you try a different monthly budget and see how the estimated finish and total interest change.

Count the whole payment budget
Set the total you can put toward debt each month.

Your regular payments are included.

The amount above them can go toward extra payments in the simulation, so you see the whole amount you plan to pay.

Choose which balance gets the extra
• The debt snowball calculator puts extra money toward the smallest balance first.
• The debt avalanche method puts it toward the highest interest rate first.
• Custom order lets you choose the priority yourself.

The plan keeps regular payments for the other debts. Compare the estimated interest and payoff timeline before choosing an order.

Try an extra payment for one month
Expecting a bonus? Add a planned extra payment for that month. See its estimated effect without increasing the budget for every month that follows.

Know what the estimate uses
For a payoff timeline and interest estimate, enter and confirm the rates for all active debts. The calculations use your balances, rates, payments and budget. They are estimates, and changing those figures changes the plan.

You can start tracking before you know a rate. Save the debt now and add the rate later when you want to run the calculation.

Keep this month's payments in view
• Check what is due for the debts you have entered.
• Record how much you paid and on which date.
• Look back through your payment history.
• Turn on payment reminders with notification permission.

A payment record keeps a history; it does not automatically reduce the saved balance or update the forecast. Update balances yourself from your latest statements.

Start with one debt
No account to create.

Debt records are stored locally on your device, and you enter and update the figures yourself. DebtClear does not send payments or offer loans.

Add your first balance. Check this month's payments, then calculate a plan that fits your budget.

Recent changes:
Version 2 makes debt tracking simpler.
• Three tabs: This month, My debts and My plan.
• A short guide and two-step debt entry.
• Clearer payment order names, with every method still available.
• Preview budget changes before saving.
• Record partial payments and view your payment history.
• Clearer interest fields, improved translations and crash fixes.
Please check the interest rate and period on your existing debts.