Calculator Tool

Debt Payoff Calculator

Plan a debt payoff strategy across multiple balances and estimate how long it will take to become debt-free.

How to Use This Calculator

Simple steps to solve your debt payoff calculator problems

Click the button above to access our AI-powered math solver.

Type, paste, or upload an image of your debt payoff calculator problem in natural language.

Receive a detailed walkthrough with clear explanations for each step.

Need clarification? Ask questions about any step in the solution process.

I have 3 debts: $1,200 at 18%, $4,500 at 9%, $8,000 at 6%. Budget $450/month—avalanche plan?
Snowball vs avalanche: which saves more interest for my balances?
If I add $100/month extra, how much sooner am I debt-free?

Why MathAI GPT is different from traditional calculators

When you have multiple debts, a plan matters. Common approaches include avalanche (highest APR first) and snowball (smallest balance first).

Shows each logical step — not just the final answer

Understands free-form math and plain language together

Accepts images of handwritten or printed problems

Helps you learn the method, not just copy answers

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