Debt Payoff Calculator
Borrow smarter. Pay less. Keep more.
Compare borrowing costs across credit cards and personal loans, and see the total cost, not just the APR.
- See true costTotal cost, not just APR.
- Payoff projectionsKnow your clear-by date.
- Trusted & unbiasedRanked on cost to you.
| Card type | Typical APR | Intro offer | Annual fee | Best for | |
|---|---|---|---|---|---|
| 0%0% intro-APR cardBalance payoff | High-teens to high-20s% after intro | 0% for 12 to 21 mo | Often $0 | Killing a balance | Read |
| RWRewards cardEveryday spend | High-teens to high-20s% | Sometimes 0% intro | $0 to $95+ | Spend paid in full | Read |
| NFNo-annual-fee cardLow utilization | High-teens to mid-20s% | Sometimes 0% intro | $0 | Keeping utilization low | Read |
| SCSecured cardCredit building | Mid-20s% | Refundable deposit | $0 plus deposit | Building credit | Read |
| Loan type | Typical APR | Typical term | Fees | Best for | |
|---|---|---|---|---|---|
| PLPersonal loan, strong creditFixed payoff | High-single to mid-teens% | 24 to 60 mo | 0 to 8% origination | A fixed payoff date | Read |
| CLConsolidation loanOne payment | Mid-teens to high-20s% | 24 to 60 mo | Origination varies | Combining balances | Read |
| BTBalance-transfer routeShort runway | 0% intro on a card | 12 to 21 mo promo | 3 to 5% transfer fee | A short payoff runway | Read |
| CBCredit-builder loanThin files | Low, savings-secured | 6 to 24 mo | Small admin fee | Building a thin file | Read |
Repayment projection
Your balance falls to zero over the payoff period.
Cost breakdown
Principal versus interest over the payoff.
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We rank on cost, not commission
Card sites bury the APR under confetti. We put the real cost first.
More about BorrowLane →How we research
We pull published rate and fee schedules and model true cost, written in plain English by our editorial team. This is a YMYL finance topic and educational only, not financial advice; confirm terms with the lender before you borrow.
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Card and loan links are often affiliate links. We rank products by cost to you, never by payout to us, and we say so when a popular card is a bad deal.