Free guide
See how many months a debt actually takes
Put the balance, the rate, and the monthly payment in one place.
Step 1
List each debt with balance, rate, and minimum
Card, personal loan, car, buy-now-pay-later. The minimum is what keeps you current. It is not a plan to finish.
Step 2
Pick one debt to pay extra
Highest rate first is the cheaper finish. Smallest balance first is fine if a quick win keeps you paying. Do not split the extra across all of them.
Step 3
Fix the extra amount on payday
The same amount each pay, on top of the minimums. A random extra when you "feel flush" does not clear a card.
Step 4
Stop adding to the one you are clearing
A card you are paying down cannot also be the everyday card. Move spending to a debit account until that balance is gone.
The tool that keeps this going
Why ROOPON
Debt Payoff shows the months and the interest from the numbers you enter. Personal Loan Calculator shows a repayment. Neither one is a lender's quote.
The lowest cost plan that includes every tool on this page is Ultimate at $99.99/month. Memberships also include partner discount codes. You can pay monthly or yearly, and you can cancel anytime.
See the plansThis guide is general information only. It is not financial advice. A calculator result is not a quote from a bank, insurer, or retailer.
