We tested every major debt payoff calculator — from free web tools to paid apps with automation features. Here's how they stack up on the features that actually matter when you're trying to figure out exactly when you'll be debt-free.
| Product | Rating | Cost | Debt Types | Snowball | Avalanche | Extra Payments | Interest Savings | Payoff Chart | Mobile App | Best For |
|---|---|---|---|---|---|---|---|---|---|---|
Undebt.it Our Pick |
★★★★★ 4.8 | Free / $12 yr | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | Best overall |
Debt Payoff Planner |
★★★★½ 4.5 | Free / $4.99 | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | Mobile-first |
calculator.net |
★★★★ 4.0 | Free | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ | Quick calc |
Tally |
★★★★ 4.2 | Free app | Credit cards | ✗ | ✓ | ✓ | ✓ | ✓ | ✓ | CC debt mgmt |
Qoins |
★★★½ 3.8 | $2.99 mo | All types | ✗ | ✗ | ✓ | ✓ | ✓ | ✓ | Auto extra pay |
ChangEd |
★★★½ 3.5 | $3 mo | Student loans | ✗ | ✗ | ✓ | ✓ | ✓ | ✓ | Micro-payments |
PowerPay (USU) |
★★★★ 4.1 | Free | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ | Academic tool |
Debt Free Charts Best Free |
★★★★ 4.3 | Free | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ | Visual trackers |
Nav.it |
★★★½ 3.7 | Free / $10 mo | All types | ✓ | ✓ | ✗ | ✓ | ✓ | ✓ | Coaching |
Debt Manager (iOS) |
★★★★ 4.0 | $0.99 | All types | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | Offline use |
Best Overall
Undebt.it
Supports 10+ payoff strategies, tracks unlimited debts, and the premium version is $12/year. Nothing else comes close for comprehensive debt planning.
Best Free
Debt Free Charts
Printable visual payoff charts that make progress tangible. Completely free. Pair with any calculator for the numbers + motivation combo.
Best Premium
Debt Payoff Planner
One-time $4.99 purchase. Clean mobile app with snowball/avalanche, extra payment modeling, and detailed amortization schedules. No subscription.
Methodology: We evaluated 18 debt payoff tools and selected 10 based on feature completeness, user base size, and active development. Each tool was tested with a $28,000 multi-debt scenario (credit card at 22%, student loan at 5.8%, auto loan at 7.2%). Ratings reflect feature depth, UX quality, and value — not affiliate relationships. "Our Pick" badges are editorial decisions. Tools were last tested January 2026. Free tools were evaluated without premium upgrades; paid tools were tested at full price.