Your credit card company makes more money the longer you take to pay off your balance. The minimum payment is calculated to keep your balance moving — just barely. Here's what that actually costs you.
Enter your debts. Pick your strategy. Get a personal month-by-month schedule that tells you exactly what to pay, in what order, every single month until your balance hits zero.
Get my payoff plan — $27 →One-time payment · No subscription · Instant access · Yours to keep
Most debt tools tell you how long it'll take at minimum payments. That's not a plan — that's a sentence.
Debt Escape takes your actual debts, your actual budget, and gives you a month-by-month schedule. Month 1: pay this. Month 2: pay this. Here's your debt-free date. Here's what happens if you pay $50 more. Here's how much you save.
See exactly what to pay, to which debt, every single month. No guessing. No spreadsheets. Just your plan.
Avalanche pays off highest interest first — saves the most money. Snowball pays smallest balance first — builds momentum. You choose.
Not a range. Not an estimate. The exact month and year you'll make your last payment — based on your real numbers.
Drag the slider to see what happens if you pay $50, $100, or $200 extra per month. Watch your debt-free date move in real time.
See avalanche, snowball, and accelerated side by side — debt-free date, total interest, monthly payment — then pick the one that fits your life.
Update your actual payments each month. Debt Escape recalculates your debt-free date automatically. See exactly how far ahead or behind you are.
No account. No bank login. No app to download.
Add each debt — name, balance, and interest rate. Presets for Canadian and US lenders make it fast. Takes about 2 minutes.
Avalanche (highest APR first) or Snowball (lowest balance first). Compare them side by side and see the difference in dollars and months.
Your debt-free date appears. Your month-by-month schedule is ready. Drag the what-if slider to see how extra payments change the picture.
Update your payments monthly. Debt Escape recalculates automatically. Watch your debt-free date get closer with every update.
| Feature | Other calculators | Debt Escape ✓ |
|---|---|---|
| Month-by-month schedule | ❌ No | ✓ Yes |
| Consolidation comparison | ❌ None do this | ✓ Side by side |
| Three-path comparison (current / consolidate / pay more) | ❌ No | ✓ Yes |
| Avalanche + Snowball strategies | ⚠️ Some | ✓ Both, side by side |
| What-if extra payment slider | ⚠️ Rare | ✓ Live, real-time |
| Monthly progress tracker | ❌ No | ✓ Yes |
| Canadian lenders built in | ❌ US only | ✓ CA + US |
| No account or bank login | ⚠️ Most require signup | ✓ No signup needed |
| Price | Free (ad-supported) or $2-25/mo | $27 one-time |
"I've been staring at my credit card debt for two years not knowing where to start. This gave me an actual date — March 2027. I actually cried. I have a plan now."
"The what-if slider is what got me. I dragged it to $200 extra and my debt-free date jumped from 2031 to 2028. I found the $200 by cutting subscriptions I forgot I had."
"Worth every penny. I was about to consolidate my debt at a terrible rate. The calculator showed me I'd actually pay $2,000 MORE. Saved me from a huge mistake."
Everything you need to get out of debt — no monthly fees, no upsells, no games.
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You already know the debt is there. The only thing missing is a plan. Get your exact month-by-month payoff schedule in the next 3 minutes.
Get my payoff plan — $27 →One-time · No subscription · Instant access · Yours to keep