Pay Off Calculator

Debt-to-Income Ratio Calculator

How to pay off debt

This calculator can help you wrangle your debts. It shows your debt-free date with your current payments, then how much faster you’d get there by paying more each month. You can also compare debt snowball and debt avalanche payoff plans.

When will I be debt-free?

Debt 1

Your Results

You will be debt free in

Payment Strategy

How much extra money can you pay each month?

Current After
Total monthly payment
Total interest
Debt free in

Other Calculators

Credit Utilization Ratio

Your credit utilization ratio is the percentage of available credit you are using and is an important factor in determining your credit score.

To calculate your credit utilization ratio, gather your credit card and revolving loan statements and plug them into our credit calculator. 

Debt-to-Income Ratio Calculator

A debt-to-income, or DTI, ratio is derived by dividing your monthly debt payments by your monthly gross income.

To calculate your debt-to-income ratio, add up all of your monthly debts – rent or mortgage payments, student loans, personal loans, auto loans, credit card payments, child support, alimony, etc. – and divide the sum by your monthly income. 

Consolidate Credit Card

The debt consolidation calculator below can help you decide if consolidation is right for you.

The calculator will suggest the best way to consolidate your debt and estimate your savings with a debt consolidation loan.

Debt Income Ratio Calculator

Uptrend Academy

We have different courses to help you be on the right track to achieve Financial Independence and Success that start from the right knowledge on how to take good care of your credit.

Debt Income Ratio Calculator

Uptrend Store

We have different letter templates for your disputing needs that you can purchase individually or in a package together with the EBooks that we have for you.

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