Debt-free, honestly
Most calculators treat your 0% intro card as free money forever. When the promo expires, so does their math. Payoff Lab models the cliff date, uses real daily interest, and shows your honest debt-free date — entirely in your browser.
Why the numbers here are different
A 0% intro card at 0% until March and 29.49% after is two different debts in one. We split the cliff month pro-rata by day — most calculators quietly assume the promo never ends. And because promo timing can make either strategy win, we always show you both totals.
Interest at the daily periodic rate over the actual days in each month — not the APR-divided-by-12 shortcut. We post monthly on the opening balance, so if you pay mid-cycle your card will charge a little less than we show. Deliberately conservative: it never understates your debt.
If your budget doesn't cover the minimums, or interest outruns your payments, we say exactly that and by how much — never a fantasy schedule.
All math runs on your device. No account, no upload, no debt data on our servers — check the privacy page, it's one sentence.
Pricing
Payoff Lab
The debt payoff calculator that gets promo APRs right.
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PDF/CSV export of your full schedule, side-by-side saved scenarios (extra $100/mo? windfall payment?), and promo-cliff reminders. Leave your email to get it first.
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Questions
For ordinary debts, avalanche (highest APR first) costs the least in interest. But if you have a 0% promo card, neither classic rule is guaranteed cheapest — avalanche ignores a promo card until its rate is real, which can cost you when the cliff hits. That's exactly why we always compute BOTH strategies on your numbers and show the dollar difference: pick whichever is cheaper for you, or whichever keeps you going. The worst strategy is minimum payments only.
Mainly because we model promo-APR expiry dates — if you have a 0% intro card, tools that ignore the cliff are flattering you. Our interest model is also deliberately conservative: daily periodic rate on each month's opening balance, posted monthly, which can run a little higher than your card's average-daily-balance billing but never lower than reality by design.
It never leaves your device. The planner runs entirely in your browser; your inputs are saved only to your own browser's local storage so they're there when you come back. We store nothing — the only thing our server ever receives is your email, if you choose to give it.
No — it's arithmetic on the numbers you enter, using standard daily-interest formulas. Your lender's exact posting rules differ slightly, and it can't see fees, rate changes, or new spending. For hardship options (settlements, management plans), talk to a nonprofit credit counselor.