Free Tool

Debt Payoff Calculator.

Calculate how long it will take to pay off your debt and how much interest you'll pay. See the impact of different payment strategies.

Enter Your Debt Details

Total Debt Amount

Enter the total amount you owe

Annual Interest Rate (%)

Your current annual interest rate

Choose Payment Strategy

Minimum Payment

Enter your current minimum payment

Target Payoff Date

Set a goal date to be debt-free

Monthly Payment

How much you plan to pay each month

Include extra payments

Debt-Free Date

- months

Total Interest Paid

Total Paid: R0

Required Monthly Payment

Fill out the form to see your payment schedule

Our debt counsellors can negotiate with creditors to reduce your interest rates and monthly payments.

Strategies

Pay off smallest debts first for quick wins and motivation

Tackle high-interest debts first to save the most money

Pay more than the minimum to dramatically reduce payoff time