Borrowing decisions
Model payoff, minimum payments, balance transfers, consolidation and refinancing with strict interest and fee handling.
Start with debt payoffQuick start
Featured tools
Fixed-payment payoff time and interest.
Open →Strict amortisation handling for card balances.
Open →Compare repayment ordering under one payment budget.
Open →Monthly payment and total interest.
Open →Promo rate, fee and post-promo APR.
Open →Old versus new total modeled cost.
Open →Key comparisons
How to read the result
A lower monthly payment can hide a longer term and higher total cost. Always compare fees, promotional periods and whether principal actually falls.
Accuracy boundary
Non-amortising inputs never produce a fabricated payoff date. Interest conventions and fees are stated by each tool.
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