Sources verified · May 22, 2026

The Debt Clock

Tell us the balance, the rate, and what you pay each month. We’ll show you when it’s gone, how much interest you’ll pay, and how much sooner an extra payment changes the date.

New here? See it work with example numbers:

Total amount you owe on this single debt today.

%

Look for “APR” on your statement. If you see a daily rate, multiply it by 365.

The amount you actually pay each month, not the minimum due.

Optional — only if it applies to you

Add a number to see how much faster you’d pay off with extra on top of your monthly payment.

No ads or lead-gen

What this tool does and doesn’t do

  • Does: standard amortization with monthly compounding for one debt at a fixed monthly payment, plus an optional extra-payment scenario.
  • Doesn’t yet: multiple debts, snowball or avalanche ordering, consolidation, credit-score impact, lender integrations, amortization-schedule export, saved payoff plans.
  • This is a planning estimate. It is not a lender payoff quote. Confirm the exact figure with your lender before making big decisions.