Free Interactive Tool

Debt Freedom
Calculator

List your debts, choose your strategy, and see the exact month you walk free — plus how much interest each path costs you.

The Exit Plan

"The borrower is slave to the lender." — Proverbs 22:7

Debt-Free In
—
Step 1 — List every debt (the audit is the beginning of the exit)
Debt nameBalanceAPR %Min payment / mo
£
Avalanche: highest interest rate first — mathematically cheapest.
Your Debt-Free Date
—
Add your debts above to see the exit.
—Months to Freedom
—Total Debt Now
—Interest You'll Pay
—Total Repaid
Your Payoff Order

Assumes fixed APRs and consistent payments. For education only — not financial advice. If repayments are unmanageable, speak to a regulated debt adviser (StepChange UK · NFCC US · Credit Counselling Canada).

"The rich rule over the poor, and the borrower is slave to the lender."

— Proverbs 22:7 · Freedom is the whole point.
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