Debt payoff calculator
Balance, APR, minimum, and extra. Months saved and interest saved if you pay extra.
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How is this amortized? Each month: interest = remaining × APR/12/100. The payment is applied after interest. Repeat until the balance is gone. Extra is added to the minimum every month. No pyramid or snowball across multiple debts.
What if the payment is too small? If minimum does not cover that month’s interest, the page says so.
What is extra? An amount on top of the minimum, every month. Default 0.